1St State Bank Financial Statements & Health Reports

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ROAE

Efficiency Ratio

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	1St State Bank	All Insured Commercial Banks in Michigan
Balance Sheet $(000)
Total Assets	226,536	330,697
Total Net Loans	168,468	227,599
Total Deposits	193,825	278,247
Total Equity	21,030	33,935
Profitability
Net Income	1,768	3,589
Return on Average Assets	.782	.954
Return on Average Equity	8.771	8.772
Net Interest Margin	3.774	3.821
Efficiency Ratio	66.715	71.925
Noninterest Income/Revenue	11.949	24.061
Balance Sheet Ratios
Loan-to-Deposit	86.918	76.845
Securities/Assets	.056	.16
Total Equity/Total Assets	.093	.103
Tangible Equity/Tangible Assets	.09	.098
Capital Adequacy
Tier 1 Common Capital	21,059	32,553
Tier 1 Capital	21,059	32,664
Tier 2 Capital	2,518	2,479
Total Capital	23,577	35,133
Total Risk Weighted Assets	201,381	242,208
Leverage Ratio	9.34	10.341
Common Equity Tier 1 Capital Ratio	10.46	15.339
Tier 1 Capital Ratio	10.46	15.393
Total Capital Ratio	11.71	16.423

1St State Bank was established 20 years ago and is currently headquartered in Saginaw, MI.

Apr 12 2004

1St State Financial, Ltd. became a new parent organization for 1St State Bank.

View Profile Apr 12 2004

Relationships	Role	Relationship Start	Relationship End
1St State Financial, Ltd.	Parent	4/12/2004

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