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 21.1 and a capital leverage ratio of 12.1. A current level of 1.3 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10). Fair liquidity 3.9, driven by a liquidity ratio of 39.3 percent and a “hot money” ratio of 10.1 percent.
Asset Mix:
Securities (38%), home mtgs (24%), consumer loans (8%), comm re (6%), cash (5%), comm loans (4%), home eq lns (2%), other (13%)
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
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Address
223 North Grand Street
Schoolcraft, MI 49087
Schoolcraft, MI 49087
Phone Number
(269) 679-5291
Year Founded
1908
FDIC Number
Website
Largest Affiliates
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