Business: Wayne Savings Bancshares, Inc. is a unitary holding company for Wayne Savings Community Bank. The Bank conducts its business through 11 full-service locations. As of December 31, 2011, the Company had total deposits of $333.8 million. The Bank offers a full range of consumer and business financial services to its local community. The Bank’s primary lending and deposit gathering area includes Wayne, Holmes, Ashland, Medina and Stark counties. This five-county area is located in northeast Ohio, and is a manufacturing and agricultural market. The Bank’s principal business activities consist of originating one-to-four family residential real estate loans, multi-family residential, commercial and non-residential real estate loans.