| Weiss Ratings |
First State Bank of Michigan
Decatur, MI |
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| Rating | ||||
| Asset Quality Index | 5.30 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.70 | |||
| Profitability Index | 0.00 | |||
| Stability Index | 5.30 | |||
| 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 | 35.04% | |||
| 5-Year Asset Growth | 8.81% | |||
| 5-Year Charge-Offs to Average Loans | 0.14% | |||
| Charge-Offs to Average Loans | 0.05% | |||
| Non-Performing Assets to Assets | 0.29% | |||
| Non-Performing Loans to Capital | 7.02% | |||
| Non-Performing Loans to Loans | 0.53% | |||
| Balance Sheet |
First State Bank of Michigan
Decatur, MI |
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| Total Assets | 80.55M | |||
| Total Deposits | 64.81M | |||
| Capital and Reserves |
First State Bank of Michigan
Decatur, MI |
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| Capital | 15.50M | |||
| Leverage Ratio | 18.30 | |||
| Loan Loss Reserves to Loans | 1.23% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First State Bank of Michigan
Decatur, MI |
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| Hot Money Ratio | 14.48% | |||
| Liquidity Ratio | 38.46% | |||
| Profitability |
First State Bank of Michigan
Decatur, MI |
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| 5-Year Return on Average Assets | -0.53% | |||
| Net Income | -982.00K | |||
| Net Interest Spread | 4.73% | |||
| Operating Profit to Average Assets | -1.53% | |||
| Overhead Efficiency Ratio | 124.92% | |||
| Return on Assets | -1.53% | |||
| Return on Equity | -6.32% | |||