| Weiss Ratings |
The Shelby State Bank
Shelby, MI |
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| Rating | ||||
| Asset Quality Index | 6.60 | |||
| Capitalization Index | 7.30 | |||
| Liquidity Index | 3.60 | |||
| Profitability Index | 4.40 | |||
| Stability Index | 3.60 | |||
| Company Info |
The Shelby State Bank
Shelby, MI |
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| FDIC Number | 10157 | |||
| Phone Number | (231) 861-2123 | |||
| Website | www.shelbybank.com | |||
| Asset Quality |
The Shelby State Bank
Shelby, MI |
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| 1-Year Asset Growth | 8.59% | |||
| 5-Year Asset Growth | 3.19% | |||
| 5-Year Charge-Offs to Average Loans | 0.04% | |||
| Charge-Offs to Average Loans | 0.01% | |||
| Non-Performing Assets to Assets | 0.60% | |||
| Non-Performing Loans to Capital | 3.48% | |||
| Non-Performing Loans to Loans | 1.06% | |||
| Balance Sheet |
The Shelby State Bank
Shelby, MI |
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| Total Assets | 385.78M | |||
| Total Deposits | 337.35M | |||
| Capital and Reserves |
The Shelby State Bank
Shelby, MI |
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| Capital | 31.64M | |||
| Leverage Ratio | 9.18 | |||
| Loan Loss Reserves to Loans | 1.15% | |||
| Risk-Based Capital Ratio | 14.73 | |||
| Liquidity |
The Shelby State Bank
Shelby, MI |
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| Hot Money Ratio | 10.28% | |||
| Liquidity Ratio | 30.70% | |||
| Profitability |
The Shelby State Bank
Shelby, MI |
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| 5-Year Return on Average Assets | 0.78% | |||
| Net Income | 3.03M | |||
| Net Interest Spread | 3.52% | |||
| Operating Profit to Average Assets | 1.02% | |||
| Overhead Efficiency Ratio | 74.24% | |||
| Return on Assets | 0.81% | |||
| Return on Equity | 10.59% | |||