| Weiss Ratings |
Eastern Michigan Bank
Croswell, MI |
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| Rating | ||||
| Asset Quality Index | 7.60 | |||
| Capitalization Index | 9.80 | |||
| Liquidity Index | 4.70 | |||
| Profitability Index | 6.80 | |||
| Stability Index | 6.50 | |||
| Company Info |
Eastern Michigan Bank
Croswell, MI |
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| FDIC Number | 982 | |||
| Phone Number | (810) 679-2500 | |||
| Website | www.emb.bank | |||
| Asset Quality |
Eastern Michigan Bank
Croswell, MI |
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| 1-Year Asset Growth | 2.09% | |||
| 5-Year Asset Growth | 7.86% | |||
| 5-Year Charge-Offs to Average Loans | -0.02% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.19% | |||
| Non-Performing Loans to Capital | 1.60% | |||
| Non-Performing Loans to Loans | 0.62% | |||
| Balance Sheet |
Eastern Michigan Bank
Croswell, MI |
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| Total Assets | 560.06M | |||
| Total Deposits | 502.98M | |||
| Capital and Reserves |
Eastern Michigan Bank
Croswell, MI |
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| Capital | 54.82M | |||
| Leverage Ratio | 10.86 | |||
| Loan Loss Reserves to Loans | 1.20% | |||
| Risk-Based Capital Ratio | 18.93 | |||
| Liquidity |
Eastern Michigan Bank
Croswell, MI |
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| Hot Money Ratio | 0.75% | |||
| Liquidity Ratio | 56.95% | |||
| Profitability |
Eastern Michigan Bank
Croswell, MI |
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| 5-Year Return on Average Assets | 1.05% | |||
| Net Income | 5.72M | |||
| Net Interest Spread | 3.99% | |||
| Operating Profit to Average Assets | 1.77% | |||
| Overhead Efficiency Ratio | 59.59% | |||
| Return on Assets | 1.45% | |||
| Return on Equity | 15.01% | |||