Huron State Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.7 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Good (5.2) profitability. A current level of 10.6 percent of nonperforming loans to core capital combined with 9.1 percent from a year earlier contributes to the Good asset quality (5.1).
Asset Mix:
Home mtgs (44%), cash (16%), securities (11%), consumer loans (9%), comm re (6%), comm loans (3%), other (12%)
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
Huron National Bancorp, Inc.
Investment Rating
--
Address
200 East Erie Street
Rogers City, MI 49779
Rogers City, MI 49779
Phone Number
(989) 734-4734
Year Founded
1980
FDIC Number
Website
Largest Affiliates
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