| Weiss Ratings |
Lake-Osceola State Bank
Baldwin, MI |
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| Rating | ||||
| Asset Quality Index | 8.00 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 4.10 | |||
| Profitability Index | 6.40 | |||
| Stability Index | 6.90 | |||
| 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 | 4.98% | |||
| 5-Year Asset Growth | 7.13% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | 0.16% | |||
| Non-Performing Assets to Assets | 0.29% | |||
| Non-Performing Loans to Capital | 1.52% | |||
| Non-Performing Loans to Loans | 0.51% | |||
| Balance Sheet |
Lake-Osceola State Bank
Baldwin, MI |
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| Total Assets | 469.41M | |||
| Total Deposits | 403.38M | |||
| Capital and Reserves |
Lake-Osceola State Bank
Baldwin, MI |
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| Capital | 51.51M | |||
| Leverage Ratio | 12.53 | |||
| Loan Loss Reserves to Loans | 1.27% | |||
| Risk-Based Capital Ratio | 21.16 | |||
| Liquidity |
Lake-Osceola State Bank
Baldwin, MI |
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| Hot Money Ratio | 16.17% | |||
| Liquidity Ratio | 45.82% | |||
| Profitability |
Lake-Osceola State Bank
Baldwin, MI |
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| 5-Year Return on Average Assets | 1.04% | |||
| Net Income | 3.77M | |||
| Net Interest Spread | 4.00% | |||
| Operating Profit to Average Assets | 1.91% | |||
| Overhead Efficiency Ratio | 57.52% | |||
| Return on Assets | 1.59% | |||
| Return on Equity | 15.05% | |||