| Weiss Ratings |
Watertown Savings Bank
Watertown, NY |
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| Rating | ||||
| Asset Quality Index | 5.40 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.90 | |||
| Profitability Index | 7.40 | |||
| 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 | 2.04% | |||
| 5-Year Asset Growth | 6.69% | |||
| 5-Year Charge-Offs to Average Loans | 0.10% | |||
| Charge-Offs to Average Loans | 0.07% | |||
| Non-Performing Assets to Assets | 1.33% | |||
| Non-Performing Loans to Capital | 9.36% | |||
| Non-Performing Loans to Loans | 2.20% | |||
| Balance Sheet |
Watertown Savings Bank
Watertown, NY |
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| Total Assets | 930.50M | |||
| Total Deposits | 759.89M | |||
| Capital and Reserves |
Watertown Savings Bank
Watertown, NY |
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| Capital | 163.37M | |||
| Leverage Ratio | 16.84 | |||
| Loan Loss Reserves to Loans | 1.08% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Watertown Savings Bank
Watertown, NY |
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| Hot Money Ratio | 6.92% | |||
| Liquidity Ratio | 19.83% | |||
| Profitability |
Watertown Savings Bank
Watertown, NY |
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| 5-Year Return on Average Assets | 1.04% | |||
| Net Income | 7.66M | |||
| Net Interest Spread | 4.31% | |||
| Operating Profit to Average Assets | 2.06% | |||
| Overhead Efficiency Ratio | 51.63% | |||
| Return on Assets | 1.67% | |||
| Return on Equity | 9.68% | |||