First State Bank
| Weiss Ratings |
First State Bank
Saint Clair Shores, MI |
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| Rating | ||||
| Asset Quality Index | 8.70 | |||
| Capitalization Index | 7.40 | |||
| Liquidity Index | 3.90 | |||
| Profitability Index | 5.50 | |||
| Stability Index | 7.70 | |||
| Company Info |
First State Bank
Saint Clair Shores, MI |
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| FDIC Number | 15032 | |||
| Phone Number | (586) 775-5000 | |||
| Website | www.fsb.bank | |||
| Asset Quality |
First State Bank
Saint Clair Shores, MI |
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| 1-Year Asset Growth | 3.56% | |||
| 5-Year Asset Growth | 12.28% | |||
| 5-Year Charge-Offs to Average Loans | -0.02% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.32% | |||
| Non-Performing Loans to Capital | 2.59% | |||
| Non-Performing Loans to Loans | 0.44% | |||
| Balance Sheet |
First State Bank
Saint Clair Shores, MI |
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| Total Assets | 1.32B | |||
| Total Deposits | 1.21B | |||
| Capital and Reserves |
First State Bank
Saint Clair Shores, MI |
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| Capital | 113.09M | |||
| Leverage Ratio | 9.26 | |||
| Loan Loss Reserves to Loans | 1.61% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First State Bank
Saint Clair Shores, MI |
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| Hot Money Ratio | 15.98% | |||
| Liquidity Ratio | 32.32% | |||
| Profitability |
First State Bank
Saint Clair Shores, MI |
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| 5-Year Return on Average Assets | 0.97% | |||
| Net Income | 3.42M | |||
| Net Interest Spread | 3.13% | |||
| Operating Profit to Average Assets | 1.33% | |||
| Overhead Efficiency Ratio | 65.97% | |||
| Return on Assets | 1.07% | |||
| Return on Equity | 12.36% | |||