Development
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.8. A current level of 0.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.5).
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). Fair liquidity 3.1, driven by a liquidity ratio of 23.8 percent and a “hot money” ratio of 15.9 percent.
Asset Mix:
Securities (30%), home mtgs (30%), consumer loans (10%), cash (8%), comm loans (4%), comm re (3%), home eq lns (2%), other (12%)
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.