| Weiss Ratings |
Southern Michigan Bank & Trust
Coldwater, MI |
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| Rating | ||||
| Asset Quality Index | 7.10 | |||
| Capitalization Index | 7.00 | |||
| Liquidity Index | 2.70 | |||
| Profitability Index | 4.20 | |||
| Stability Index | 7.30 | |||
| Company Info |
Southern Michigan Bank & Trust
Coldwater, MI |
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| FDIC Number | 5019 | |||
| Phone Number | (517) 279-5500 | |||
| Website | www.smb-t.com | |||
| Asset Quality |
Southern Michigan Bank & Trust
Coldwater, MI |
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| 1-Year Asset Growth | 5.91% | |||
| 5-Year Asset Growth | 17.08% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.03% | |||
| Non-Performing Loans to Capital | 0.46% | |||
| Non-Performing Loans to Loans | 0.04% | |||
| Balance Sheet |
Southern Michigan Bank & Trust
Coldwater, MI |
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| Total Assets | 1.56B | |||
| Total Deposits | 1.32B | |||
| Capital and Reserves |
Southern Michigan Bank & Trust
Coldwater, MI |
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| Capital | 137.24M | |||
| Leverage Ratio | 8.99 | |||
| Loan Loss Reserves to Loans | 1.12% | |||
| Risk-Based Capital Ratio | 12.43 | |||
| Liquidity |
Southern Michigan Bank & Trust
Coldwater, MI |
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| Hot Money Ratio | 17.47% | |||
| Liquidity Ratio | 20.94% | |||
| Profitability |
Southern Michigan Bank & Trust
Coldwater, MI |
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| 5-Year Return on Average Assets | 0.98% | |||
| Net Income | 3.57M | |||
| Net Interest Spread | 3.12% | |||
| Operating Profit to Average Assets | 1.12% | |||
| Overhead Efficiency Ratio | 67.08% | |||
| Return on Assets | 0.92% | |||
| Return on Equity | 10.55% | |||