| Weiss Ratings |
Southern Michigan Bank & Trust
Coldwater, MI |
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| Rating | ||||
| Asset Quality Index | 4.30 | |||
| Capitalization Index | 7.10 | |||
| Liquidity Index | 2.40 | |||
| Profitability Index | 3.80 | |||
| Stability Index | 8.00 | |||
| 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 | 7.09% | |||
| 5-Year Asset Growth | 14.01% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 0.13% | |||
| Non-Performing Assets to Assets | 1.07% | |||
| Non-Performing Loans to Capital | 8.26% | |||
| Non-Performing Loans to Loans | 1.25% | |||
| Balance Sheet |
Southern Michigan Bank & Trust
Coldwater, MI |
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| Total Assets | 1.68B | |||
| Total Deposits | 1.40B | |||
| Capital and Reserves |
Southern Michigan Bank & Trust
Coldwater, MI |
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| Capital | 155.69M | |||
| Leverage Ratio | 9.04 | |||
| Loan Loss Reserves to Loans | 1.19% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Southern Michigan Bank & Trust
Coldwater, MI |
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| Hot Money Ratio | 21.11% | |||
| Liquidity Ratio | 17.14% | |||
| Profitability |
Southern Michigan Bank & Trust
Coldwater, MI |
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| 5-Year Return on Average Assets | 0.99% | |||
| Net Income | 7.19M | |||
| Net Interest Spread | 3.43% | |||
| Operating Profit to Average Assets | 1.01% | |||
| Overhead Efficiency Ratio | 69.39% | |||
| Return on Assets | 0.84% | |||
| Return on Equity | 9.44% | |||