| Weiss Ratings |
Upper Peninsula State Bank
Escanaba, MI |
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| Rating | ||||
| Asset Quality Index | 7.40 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 0.80 | |||
| Profitability Index | 5.10 | |||
| Stability Index | 4.30 | |||
| Company Info |
Upper Peninsula State Bank
Escanaba, MI |
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| FDIC Number | 1090 | |||
| Phone Number | (906) 789-7000 | |||
| Website | www.upstatebank.net | |||
| Asset Quality |
Upper Peninsula State Bank
Escanaba, MI |
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| 1-Year Asset Growth | 7.71% | |||
| 5-Year Asset Growth | 10.22% | |||
| 5-Year Charge-Offs to Average Loans | 0.03% | |||
| Charge-Offs to Average Loans | 0.01% | |||
| Non-Performing Assets to Assets | 0.13% | |||
| Non-Performing Loans to Capital | 0.54% | |||
| Non-Performing Loans to Loans | 0.07% | |||
| Balance Sheet |
Upper Peninsula State Bank
Escanaba, MI |
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| Total Assets | 330.27M | |||
| Total Deposits | 273.23M | |||
| Capital and Reserves |
Upper Peninsula State Bank
Escanaba, MI |
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| Capital | 43.07M | |||
| Leverage Ratio | 13.43 | |||
| Loan Loss Reserves to Loans | 1.30% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Upper Peninsula State Bank
Escanaba, MI |
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| Hot Money Ratio | 15.37% | |||
| Liquidity Ratio | 16.12% | |||
| Profitability |
Upper Peninsula State Bank
Escanaba, MI |
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| 5-Year Return on Average Assets | 1.19% | |||
| Net Income | 3.48M | |||
| Net Interest Spread | 3.88% | |||
| Operating Profit to Average Assets | 1.32% | |||
| Overhead Efficiency Ratio | 66.90% | |||
| Return on Assets | 1.08% | |||
| Return on Equity | 8.36% | |||