| Weiss Ratings |
First State Bank of Michigan
Decatur, MI |
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| Rating | ||||
| Asset Quality Index | 7.10 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 4.10 | |||
| Profitability Index | 0.20 | |||
| Stability Index | 5.20 | |||
| Company Info |
First State Bank of Michigan
Decatur, MI |
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| FDIC Number | 12893 | |||
| Phone Number | (269) 423-7014 | |||
| Website | www.fsbdecatur.com | |||
| Asset Quality |
First State Bank of Michigan
Decatur, MI |
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| 1-Year Asset Growth | 15.88% | |||
| 5-Year Asset Growth | 3.34% | |||
| 5-Year Charge-Offs to Average Loans | 0.14% | |||
| Charge-Offs to Average Loans | 0.11% | |||
| Non-Performing Assets to Assets | 0.00% | |||
| Non-Performing Loans to Capital | 2.57% | |||
| Non-Performing Loans to Loans | 0.00% | |||
| Balance Sheet |
First State Bank of Michigan
Decatur, MI |
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| Total Assets | 62.25M | |||
| Total Deposits | 46.18M | |||
| Capital and Reserves |
First State Bank of Michigan
Decatur, MI |
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| Capital | 15.86M | |||
| Leverage Ratio | 21.15 | |||
| Loan Loss Reserves to Loans | 1.34% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First State Bank of Michigan
Decatur, MI |
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| Hot Money Ratio | 15.28% | |||
| Liquidity Ratio | 46.37% | |||
| Profitability |
First State Bank of Michigan
Decatur, MI |
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| 5-Year Return on Average Assets | -0.53% | |||
| Net Income | -459.00K | |||
| Net Interest Spread | 4.88% | |||
| Operating Profit to Average Assets | -1.49% | |||
| Overhead Efficiency Ratio | 126.21% | |||
| Return on Assets | -1.49% | |||
| Return on Equity | -5.98% | |||