| Weiss Ratings |
1st State Bank
Saginaw, MI |
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| Rating | ||||
| Asset Quality Index | 7.90 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.90 | |||
| Profitability Index | 6.50 | |||
| 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 | 6.32% | |||
| 5-Year Asset Growth | 3.26% | |||
| 5-Year Charge-Offs to Average Loans | -0.01% | |||
| Charge-Offs to Average Loans | 0.02% | |||
| Non-Performing Assets to Assets | 0.28% | |||
| Non-Performing Loans to Capital | 2.27% | |||
| Non-Performing Loans to Loans | 0.63% | |||
| Balance Sheet |
1st State Bank
Saginaw, MI |
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| Total Assets | 480.46M | |||
| Total Deposits | 420.04M | |||
| Capital and Reserves |
1st State Bank
Saginaw, MI |
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| Capital | 56.53M | |||
| Leverage Ratio | 11.81 | |||
| Loan Loss Reserves to Loans | 1.73% | |||
| Risk-Based Capital Ratio | 15.93 | |||
| Liquidity |
1st State Bank
Saginaw, MI |
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| Hot Money Ratio | 5.47% | |||
| Liquidity Ratio | 18.38% | |||
| Profitability |
1st State Bank
Saginaw, MI |
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| 5-Year Return on Average Assets | 1.05% | |||
| Net Income | 6.47M | |||
| Net Interest Spread | 4.21% | |||
| Operating Profit to Average Assets | 1.72% | |||
| Overhead Efficiency Ratio | 58.91% | |||
| Return on Assets | 1.37% | |||
| Return on Equity | 12.29% | |||