Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.0. A current level of 0.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Fair (4.2) profitability.
Asset Mix:
Home mtgs (34%), securities (22%), cash (11%), consumer loans (9%), comm loans (2%), comm re (2%), home eq lns (2%), other (19%)
States with Branches:
OH
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
2012 Waterford Commercial & Savings Bank Shareholders Voting Trust
Investment Rating
--
Address
20115 State Route 339
Waterford, OH 45786
Waterford, OH 45786
Phone Number
(740) 984-2357
Year Founded
1908
FDIC Number
Website
Largest Affiliates
No affiliate information available.