| Weiss Ratings |
The Shelby State Bank
Shelby, MI |
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| Rating | ||||
| Asset Quality Index | 6.70 | |||
| Capitalization Index | 6.70 | |||
| Liquidity Index | 3.70 | |||
| Profitability Index | 3.70 | |||
| 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 | 6.57% | |||
| 5-Year Asset Growth | 5.60% | |||
| 5-Year Charge-Offs to Average Loans | 0.04% | |||
| Charge-Offs to Average Loans | 0.02% | |||
| Non-Performing Assets to Assets | 0.61% | |||
| Non-Performing Loans to Capital | 3.20% | |||
| Non-Performing Loans to Loans | 0.99% | |||
| Balance Sheet |
The Shelby State Bank
Shelby, MI |
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| Total Assets | 385.80M | |||
| Total Deposits | 345.04M | |||
| Capital and Reserves |
The Shelby State Bank
Shelby, MI |
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| Capital | 30.25M | |||
| Leverage Ratio | 8.70 | |||
| Loan Loss Reserves to Loans | 1.12% | |||
| Risk-Based Capital Ratio | 14.35 | |||
| Liquidity |
The Shelby State Bank
Shelby, MI |
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| Hot Money Ratio | 9.78% | |||
| Liquidity Ratio | 31.97% | |||
| Profitability |
The Shelby State Bank
Shelby, MI |
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| 5-Year Return on Average Assets | 0.78% | |||
| Net Income | 1.93M | |||
| Net Interest Spread | 3.46% | |||
| Operating Profit to Average Assets | 0.87% | |||
| Overhead Efficiency Ratio | 77.13% | |||
| Return on Assets | 0.70% | |||
| Return on Equity | 9.25% | |||