| Weiss Ratings |
Watertown Savings Bank
Watertown, NY |
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| Rating | ||||
| Asset Quality Index | 5.70 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.90 | |||
| Profitability Index | 6.60 | |||
| Stability Index | 9.20 | |||
| Company Info |
Watertown Savings Bank
Watertown, NY |
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| FDIC Number | 15990 | |||
| Phone Number | (315) 788-7100 | |||
| Website | www.watertownsavingsbank.com | |||
| Asset Quality |
Watertown Savings Bank
Watertown, NY |
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| 1-Year Asset Growth | 4.33% | |||
| 5-Year Asset Growth | 2.84% | |||
| 5-Year Charge-Offs to Average Loans | 0.10% | |||
| Charge-Offs to Average Loans | 0.07% | |||
| Non-Performing Assets to Assets | 1.29% | |||
| Non-Performing Loans to Capital | 7.43% | |||
| Non-Performing Loans to Loans | 2.10% | |||
| Balance Sheet |
Watertown Savings Bank
Watertown, NY |
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| Total Assets | 941.39M | |||
| Total Deposits | 762.65M | |||
| Capital and Reserves |
Watertown Savings Bank
Watertown, NY |
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| Capital | 169.58M | |||
| Leverage Ratio | 16.98 | |||
| Loan Loss Reserves to Loans | 1.13% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Watertown Savings Bank
Watertown, NY |
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| Hot Money Ratio | 7.99% | |||
| Liquidity Ratio | 20.82% | |||
| Profitability |
Watertown Savings Bank
Watertown, NY |
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| 5-Year Return on Average Assets | 1.04% | |||
| Net Income | 12.55M | |||
| Net Interest Spread | 4.47% | |||
| Operating Profit to Average Assets | 1.73% | |||
| Overhead Efficiency Ratio | 60.11% | |||
| Return on Assets | 1.35% | |||
| Return on Equity | 7.70% | |||