| Weiss Ratings |
1st State Bank
Saginaw, MI |
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| Rating | ||||
| Asset Quality Index | 8.40 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.00 | |||
| Profitability Index | 6.40 | |||
| Stability Index | 6.30 | |||
| 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 | 4.68% | |||
| 5-Year Asset Growth | 3.26% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 0.22% | |||
| Non-Performing Assets to Assets | 0.27% | |||
| Non-Performing Loans to Capital | 1.43% | |||
| Non-Performing Loans to Loans | 0.34% | |||
| Balance Sheet |
1st State Bank
Saginaw, MI |
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| Total Assets | 490.08M | |||
| Total Deposits | 428.76M | |||
| Capital and Reserves |
1st State Bank
Saginaw, MI |
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| Capital | 58.70M | |||
| Leverage Ratio | 12.27 | |||
| Loan Loss Reserves to Loans | 1.60% | |||
| Risk-Based Capital Ratio | 16.22 | |||
| Liquidity |
1st State Bank
Saginaw, MI |
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| Hot Money Ratio | 3.15% | |||
| Liquidity Ratio | 19.69% | |||
| Profitability |
1st State Bank
Saginaw, MI |
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| 5-Year Return on Average Assets | 1.13% | |||
| Net Income | 3.27M | |||
| Net Interest Spread | 4.20% | |||
| Operating Profit to Average Assets | 1.68% | |||
| Overhead Efficiency Ratio | 60.93% | |||
| Return on Assets | 1.34% | |||
| Return on Equity | 11.40% | |||