| 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 | 7.40 | |||
| Stability Index | 5.30 | |||
| 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 | 0.76% | |||
| 5-Year Asset Growth | 11.73% | |||
| 5-Year Charge-Offs to Average Loans | 0.19% | |||
| Charge-Offs to Average Loans | -1.18% | |||
| Non-Performing Assets to Assets | 0.31% | |||
| Non-Performing Loans to Capital | 1.69% | |||
| Non-Performing Loans to Loans | 0.56% | |||
| Balance Sheet |
Lake-Osceola State Bank
Baldwin, MI |
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| Total Assets | 453.34M | |||
| Total Deposits | 381.91M | |||
| Capital and Reserves |
Lake-Osceola State Bank
Baldwin, MI |
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| Capital | 47.55M | |||
| Leverage Ratio | 12.06 | |||
| Loan Loss Reserves to Loans | 1.36% | |||
| Risk-Based Capital Ratio | 19.86 | |||
| Liquidity |
Lake-Osceola State Bank
Baldwin, MI |
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| Hot Money Ratio | 15.91% | |||
| Liquidity Ratio | 42.93% | |||
| Profitability |
Lake-Osceola State Bank
Baldwin, MI |
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| 5-Year Return on Average Assets | 0.92% | |||
| Net Income | 5.88M | |||
| Net Interest Spread | 3.96% | |||
| Operating Profit to Average Assets | 2.14% | |||
| Overhead Efficiency Ratio | 61.16% | |||
| Return on Assets | 1.73% | |||
| Return on Equity | 18.63% | |||