Institution Statistics
| The Waterford Commercial and Savings Bank | | FDIC Certificate # | 8397 | | BankRate Report | View | | Year Established | 1908 | | Employees | 15 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $45.51 million | | Loans | $22.44 million | | Deposits | $40.83 million | | Equity Capital | $4.57 million | | Loan Loss Allowance | $217,000 | | Unbacked Noncurrent Loans | $172,000 | | Real Estate Owned | $21,000 |
Historic Data - March 2011 | | Assets | $42.86 million | | Equity Capital | $4.34 million | | Loan Loss Allowance | $216,000 | | Unbacked Noncurrent Loans | $29,000 | | Real Estate Owned | $21,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.5% | | Return on Assets | 0.65% | | Return on Equity | 6.41% | | Interest Income | $446,000 |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The Waterford Commercial and Savings Bank had $193,000 in non-current loans and owned real-estate with $4.78 million in equity and loan loss allowances on hand to cover it. This gives The Waterford Commercial and Savings Bank a Texas Ratio of 4.04% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for The Waterford Commercial and Savings Bank held steady from 1.23% as of March 31, 2011 to 4.04% as of March 31, 2012, resulting in a negative change of 228.21%. This indicates that the balance sheet and financial strength for The Waterford Commercial and Savings Bank has held steady in recent periods. | | Deposit Growth | | | In the past year, The Waterford Commercial and Savings Bank has increased its total deposits by $2.41 million, resulting in 6.26% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Waterford Commercial and Savings Bank has shown is excellent. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Waterford Commercial and Savings Bank has $45.51 million in assets with $4.78 million in equity, resulting in a capitalization level of 10.51%, which is above average. |
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