First State Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.7 on a scale of 0 to 10). Excellent current capitalization (8.5 on a scale of 0 to 10) and a capital leverage ratio of 10.0.
Other Rating Factors:
A current level of 5.9 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Good asset quality (6.4). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (5.6) profitability.
Asset Mix:
Comm re (29%), home mtgs (25%), securities (11%), comm loans (11%), cash (6%), home eq lns (4%), consumer loans (0%), other (14%)
States with Branches:
MI
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
First State Financial Corporation
Investment Rating
--
Address
16100 East Nine Mile Road
Eastpointe, MI 48021
Eastpointe, MI 48021
Phone Number
(586) 775-5000
Year Founded
1917
FDIC Number
Website
Largest Affiliates
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