| Weiss Ratings |
1st State Bank
Saginaw, MI |
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| Rating | ||||
| Asset Quality Index | 8.00 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.80 | |||
| Profitability Index | 6.30 | |||
| Stability Index | 6.80 | |||
| Company Info |
1st State Bank
Saginaw, MI |
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| FDIC Number | 57626 | |||
| Phone Number | (989) 799-7500 | |||
| Website | www.1ststate.bank | |||
| Asset Quality |
1st State Bank
Saginaw, MI |
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| 1-Year Asset Growth | -0.05% | |||
| 5-Year Asset Growth | 7.92% | |||
| 5-Year Charge-Offs to Average Loans | -0.01% | |||
| Charge-Offs to Average Loans | 0.03% | |||
| Non-Performing Assets to Assets | 0.26% | |||
| Non-Performing Loans to Capital | 1.98% | |||
| Non-Performing Loans to Loans | 0.60% | |||
| Balance Sheet |
1st State Bank
Saginaw, MI |
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| Total Assets | 461.82M | |||
| Total Deposits | 399.06M | |||
| Capital and Reserves |
1st State Bank
Saginaw, MI |
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| Capital | 54.46M | |||
| Leverage Ratio | 11.65 | |||
| Loan Loss Reserves to Loans | 1.74% | |||
| Risk-Based Capital Ratio | 15.89 | |||
| Liquidity |
1st State Bank
Saginaw, MI |
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| Hot Money Ratio | 5.43% | |||
| Liquidity Ratio | 13.25% | |||
| Profitability |
1st State Bank
Saginaw, MI |
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| 5-Year Return on Average Assets | 1.05% | |||
| Net Income | 4.58M | |||
| Net Interest Spread | 4.17% | |||
| Operating Profit to Average Assets | 1.64% | |||
| Overhead Efficiency Ratio | 60.03% | |||
| Return on Assets | 1.30% | |||
| Return on Equity | 11.84% | |||