The Waterford Commercial and Savings Bank

Weiss Ratings	The Waterford Commercial and Savings Bank Waterford, OH	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	8.50
Capitalization Index	10.00
Liquidity Index	3.10
Profitability Index	2.10
Stability Index	6.40

Company Info	The Waterford Commercial and Savings Bank Waterford, OH	Click to Compare	Click to Compare	Click to Compare
FDIC Number	8397
Phone Number	(740) 984-2357
Website	www.waterfordbank.com

Asset Quality	The Waterford Commercial and Savings Bank Waterford, OH	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	2.11%
5-Year Asset Growth	5.93%
5-Year Charge-Offs to Average Loans	0.02%
Charge-Offs to Average Loans	0.00%
Non-Performing Assets to Assets	0.00%
Non-Performing Loans to Capital	0.01%
Non-Performing Loans to Loans	0.00%

Balance Sheet	The Waterford Commercial and Savings Bank Waterford, OH	Click to Compare	Click to Compare	Click to Compare
Total Assets	57.74M
Total Deposits	50.80M

Capital and Reserves	The Waterford Commercial and Savings Bank Waterford, OH	Click to Compare	Click to Compare	Click to Compare
Capital	6.25M
Leverage Ratio	12.80
Loan Loss Reserves to Loans	1.06%
Risk-Based Capital Ratio	--

Liquidity	The Waterford Commercial and Savings Bank Waterford, OH	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	15.85%
Liquidity Ratio	23.83%

Profitability	The Waterford Commercial and Savings Bank Waterford, OH	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.82%
Net Income	246.00K
Net Interest Spread	3.12%
Operating Profit to Average Assets	0.52%
Overhead Efficiency Ratio	86.41%
Return on Assets	0.43%
Return on Equity	4.14%