| Weiss Ratings |
Eastern Michigan Bank
Croswell, MI |
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| Rating | ||||
| Asset Quality Index | 6.80 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 5.50 | |||
| Profitability Index | 5.80 | |||
| Stability Index | 3.70 | |||
| 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 | 9.73% | |||
| 5-Year Asset Growth | 4.44% | |||
| 5-Year Charge-Offs to Average Loans | -0.01% | |||
| Charge-Offs to Average Loans | -0.07% | |||
| Non-Performing Assets to Assets | 0.30% | |||
| Non-Performing Loans to Capital | 2.26% | |||
| Non-Performing Loans to Loans | 0.86% | |||
| Balance Sheet |
Eastern Michigan Bank
Croswell, MI |
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| Total Assets | 553.62M | |||
| Total Deposits | 453.66M | |||
| Capital and Reserves |
Eastern Michigan Bank
Croswell, MI |
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| Capital | 97.78M | |||
| Leverage Ratio | 11.99 | |||
| Loan Loss Reserves to Loans | 1.16% | |||
| Risk-Based Capital Ratio | 20.29 | |||
| Liquidity |
Eastern Michigan Bank
Croswell, MI |
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| Hot Money Ratio | 0.56% | |||
| Liquidity Ratio | 54.58% | |||
| Profitability |
Eastern Michigan Bank
Croswell, MI |
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| 5-Year Return on Average Assets | -- | |||
| Net Income | 4.00M | |||
| Net Interest Spread | 4.74% | |||
| Operating Profit to Average Assets | 1.79% | |||
| Overhead Efficiency Ratio | 62.45% | |||
| Return on Assets | 1.42% | |||
| Return on Equity | 8.27% | |||