Kalamazoo County State Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.6 and a capital leverage ratio of 11.7. A current level of 1.1 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (8.5).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10). Fair liquidity 4.5, driven by a liquidity ratio of 49.7 percent and a “hot money” ratio of 10.0 percent.
Asset Mix:
Securities (39%), home mtgs (21%), cash (12%), consumer loans (9%), comm re (5%), comm loans (4%), home eq lns (2%), other (9%)
States with Branches:
MI
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
223 North Grand Street
Schoolcraft, MI 49087
Schoolcraft, MI 49087
Phone Number
(269) 679-5291
Year Founded
1908
FDIC Number
Website
Largest Affiliates
No affiliate information available.