| Weiss Ratings |
First State Bank of Michigan
Decatur, MI |
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| Rating | ||||
| Asset Quality Index | 6.40 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.80 | |||
| Profitability Index | 0.00 | |||
| Stability Index | 5.10 | |||
| 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 | 20.95% | |||
| 5-Year Asset Growth | 3.34% | |||
| 5-Year Charge-Offs to Average Loans | 0.14% | |||
| Charge-Offs to Average Loans | 0.07% | |||
| Non-Performing Assets to Assets | 0.36% | |||
| Non-Performing Loans to Capital | 4.39% | |||
| Non-Performing Loans to Loans | 0.70% | |||
| Balance Sheet |
First State Bank of Michigan
Decatur, MI |
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| Total Assets | 65.30M | |||
| Total Deposits | 49.27M | |||
| Capital and Reserves |
First State Bank of Michigan
Decatur, MI |
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| Capital | 15.74M | |||
| Leverage Ratio | 19.53 | |||
| Loan Loss Reserves to Loans | 1.31% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First State Bank of Michigan
Decatur, MI |
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| Hot Money Ratio | 16.13% | |||
| Liquidity Ratio | 39.96% | |||
| Profitability |
First State Bank of Michigan
Decatur, MI |
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| 5-Year Return on Average Assets | -0.53% | |||
| Net Income | -698.00K | |||
| Net Interest Spread | 4.83% | |||
| Operating Profit to Average Assets | -1.48% | |||
| Overhead Efficiency Ratio | 125.95% | |||
| Return on Assets | -1.48% | |||
| Return on Equity | -6.01% | |||