| Weiss Ratings |
Lake-Osceola State Bank
Baldwin, MI |
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| Rating | ||||
| Asset Quality Index | 7.80 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 4.00 | |||
| Profitability Index | 6.50 | |||
| Stability Index | 5.50 | |||
| Company Info |
Lake-Osceola State Bank
Baldwin, MI |
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| FDIC Number | 8172 | |||
| Phone Number | (231) 745-4601 | |||
| Website | www.losb.com | |||
| Asset Quality |
Lake-Osceola State Bank
Baldwin, MI |
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| 1-Year Asset Growth | 1.93% | |||
| 5-Year Asset Growth | 7.13% | |||
| 5-Year Charge-Offs to Average Loans | 0.19% | |||
| Charge-Offs to Average Loans | -0.87% | |||
| Non-Performing Assets to Assets | 0.28% | |||
| Non-Performing Loans to Capital | 1.48% | |||
| Non-Performing Loans to Loans | 0.48% | |||
| Balance Sheet |
Lake-Osceola State Bank
Baldwin, MI |
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| Total Assets | 465.67M | |||
| Total Deposits | 393.58M | |||
| Capital and Reserves |
Lake-Osceola State Bank
Baldwin, MI |
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| Capital | 48.80M | |||
| Leverage Ratio | 12.22 | |||
| Loan Loss Reserves to Loans | 1.33% | |||
| Risk-Based Capital Ratio | 19.68 | |||
| Liquidity |
Lake-Osceola State Bank
Baldwin, MI |
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| Hot Money Ratio | 16.99% | |||
| Liquidity Ratio | 43.99% | |||
| Profitability |
Lake-Osceola State Bank
Baldwin, MI |
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| 5-Year Return on Average Assets | 0.92% | |||
| Net Income | 6.93M | |||
| Net Interest Spread | 3.96% | |||
| Operating Profit to Average Assets | 1.77% | |||
| Overhead Efficiency Ratio | 64.58% | |||
| Return on Assets | 1.53% | |||
| Return on Equity | 15.87% | |||