| Weiss Ratings |
Eastern Michigan Bank
Croswell, MI |
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| Rating | ||||
| Asset Quality Index | 6.70 | |||
| Capitalization Index | 9.10 | |||
| Liquidity Index | 4.30 | |||
| Profitability Index | 5.80 | |||
| Stability Index | 6.20 | |||
| 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 | -9.19% | |||
| 5-Year Asset Growth | 7.86% | |||
| 5-Year Charge-Offs to Average Loans | -0.02% | |||
| Charge-Offs to Average Loans | 0.02% | |||
| Non-Performing Assets to Assets | 0.36% | |||
| Non-Performing Loans to Capital | 2.98% | |||
| Non-Performing Loans to Loans | 1.05% | |||
| Balance Sheet |
Eastern Michigan Bank
Croswell, MI |
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| Total Assets | 512.46M | |||
| Total Deposits | 460.76M | |||
| Capital and Reserves |
Eastern Michigan Bank
Croswell, MI |
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| Capital | 49.55M | |||
| Leverage Ratio | 10.39 | |||
| Loan Loss Reserves to Loans | 1.31% | |||
| Risk-Based Capital Ratio | 16.93 | |||
| Liquidity |
Eastern Michigan Bank
Croswell, MI |
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| Hot Money Ratio | 1.22% | |||
| Liquidity Ratio | 52.91% | |||
| Profitability |
Eastern Michigan Bank
Croswell, MI |
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| 5-Year Return on Average Assets | 1.05% | |||
| Net Income | 1.57M | |||
| Net Interest Spread | 3.82% | |||
| Operating Profit to Average Assets | 1.48% | |||
| Overhead Efficiency Ratio | 63.78% | |||
| Return on Assets | 1.19% | |||
| Return on Equity | 12.95% | |||