Vitals
  • Total Assets
    71.6M 4.0 %
  • Total Deposits
    60.8M 2.9 %
  • Total Net Loans
    40.0M 5.2 %
  • Net Income
    295000.0000 19.4 %
  • Book Value
    9.6M 3.4 %
  • Book Value x2
    19.3M 3.4 %
  • Book Value x3
    28.9M 3.4 %
ROAA

.419

ROAE

3.11

Efficiency Ratio

85.594

Net Interest Margin

3.301

Balance Sheet Highlights
Financial Highlights Central State Bank All Insured Commercial Banks in Michigan
Balance Sheet $(000)
Total Assets 71,575 330,697
Total Net Loans 39,998 227,599
Total Deposits 60,830 278,247
Total Equity 9,642 33,935
Profitability
Net Income 295 3,589
Return on Average Assets .419 .954
Return on Average Equity 3.11 8.772
Net Interest Margin 3.301 3.821
Efficiency Ratio 85.594 71.925
Noninterest Income/Revenue 31.981 24.061
Balance Sheet Ratios
Loan-to-Deposit 65.754 76.845
Securities/Assets .142 .16
Total Equity/Total Assets .135 .103
Tangible Equity/Tangible Assets .117 .098
Capital Adequacy
Tier 1 Common Capital 9,623 32,553
Tier 1 Capital 9,623 32,664
Tier 2 Capital 440 2,479
Total Capital 10,063 35,133
Total Risk Weighted Assets 39,269 242,208
Leverage Ratio 13.49 10.341
Common Equity Tier 1 Capital Ratio 24.51 15.339
Tier 1 Capital Ratio 24.51 15.393
Total Capital Ratio 25.63 16.423

Timeline for Central State Bank

Central-State Bancorp, Inc.

Central-State Bancorp, Inc. became a new parent organization for Central State Bank.

View Profile Dec 01 1987

Central State Bank

Central State Bank was established 110 years ago and is currently headquartered in Beulah, MI.

Aug 28 1913
Relationships Role Relationship Start Relationship End
Central-State Bancorp, Inc. Parent 12/1/1987
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