Vitals
  • Total Assets
    186.9M 6.3 %
  • Total Deposits
    170.9M 6.2 %
  • Total Net Loans
    107.1M 6.6 %
  • Net Income
    2.6M 6.4 %
  • Book Value
    15.3M 4.8 %
  • Book Value x2
    30.6M 4.8 %
  • Book Value x3
    45.9M 4.8 %
ROAA

1.444

ROAE

17.245

Efficiency Ratio

66.8

Net Interest Margin

3.66

Balance Sheet Highlights
Financial Highlights Charlevoix State Bank All Insured Commercial Banks in Michigan
Balance Sheet $(000)
Total Assets 186,932 330,697
Total Net Loans 107,141 227,599
Total Deposits 170,901 278,247
Total Equity 15,300 33,935
Profitability
Net Income 2,631 3,589
Return on Average Assets 1.444 .954
Return on Average Equity 17.245 8.772
Net Interest Margin 3.66 3.821
Efficiency Ratio 66.8 71.925
Noninterest Income/Revenue 26.071 24.061
Balance Sheet Ratios
Loan-to-Deposit 62.692 76.845
Securities/Assets .227 .16
Total Equity/Total Assets .082 .103
Tangible Equity/Tangible Assets .082 .098
Capital Adequacy
Tier 1 Common Capital 15,835 32,553
Tier 1 Capital 15,835 32,664
Tier 2 Capital 1,212 2,479
Total Capital 17,047 35,133
Total Risk Weighted Assets 116,059 242,208
Leverage Ratio 8.19 10.341
Common Equity Tier 1 Capital Ratio 13.64 15.339
Tier 1 Capital Ratio 13.64 15.393
Total Capital Ratio 14.69 16.423

Timeline for Charlevoix State Bank

Charlevoix First Corporation

Charlevoix First Corporation became a new parent organization for Charlevoix State Bank.

View Profile May 31 1995

Charlevoix State Bank

Charlevoix State Bank was established 29 years ago and is currently headquartered in Charlevoix, MI.

Aug 16 1994
Relationships Role Relationship Start Relationship End
Charlevoix First Corporation Parent 5/31/1995
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