Vitals
  • Total Assets
    325.0M 10.9 %
  • Total Deposits
    293.5M 11.4 %
  • Total Net Loans
    153.0M 12.3 %
  • Net Income
    2.2M 4.8 %
  • Book Value
    30.2M 7.2 %
  • Book Value x2
    60.5M 7.2 %
  • Book Value x3
    90.7M 7.2 %
ROAA

.705

ROAE

7.535

Efficiency Ratio

70.339

Net Interest Margin

3.174

Balance Sheet Highlights
Financial Highlights Eastern Michigan Bank All Insured Commercial Banks in Michigan
Balance Sheet $(000)
Total Assets 324,956 330,697
Total Net Loans 153,043 227,599
Total Deposits 293,495 278,247
Total Equity 30,247 33,935
Profitability
Net Income 2,213 3,589
Return on Average Assets .705 .954
Return on Average Equity 7.535 8.772
Net Interest Margin 3.174 3.821
Efficiency Ratio 70.339 71.925
Noninterest Income/Revenue 15.138 24.061
Balance Sheet Ratios
Loan-to-Deposit 52.145 76.845
Securities/Assets .328 .16
Total Equity/Total Assets .093 .103
Tangible Equity/Tangible Assets .09 .098
Capital Adequacy
Tier 1 Common Capital 30,471 32,553
Tier 1 Capital 30,471 32,664
Tier 2 Capital 1,222 2,479
Total Capital 31,693 35,133
Total Risk Weighted Assets 175,024 242,208
Leverage Ratio 9.45 10.341
Common Equity Tier 1 Capital Ratio 17.41 15.339
Tier 1 Capital Ratio 17.41 15.393
Total Capital Ratio 18.11 16.423

Timeline for Eastern Michigan Bank

Ruth State Bank

Acquisition: Eastern Michigan Bank acquired a new subsidiary, Ruth State Bank, 8 years

View Profile Apr 01 2016

Eastern Michigan Mortgage Company Llc

Acquisition: Eastern Michigan Bank acquired a new subsidiary, Eastern Michigan Mortgage Company Llc , 13 years

View Profile Jan 01 2011

Eastern Michigan Mortgage Company Llc

Eastern Michigan Mortgage Company Llc became a new subsidiary organization for Eastern Michigan Bank.

View Profile Jan 02 2002

Eastern Michigan Financial Services, Inc.

Eastern Michigan Financial Services, Inc. became a new subsidiary organization for Eastern Michigan Bank.

View Profile Dec 01 1996

Eastern Michigan Real Estate Company

Eastern Michigan Real Estate Company became a new subsidiary organization for Eastern Michigan Bank.

View Profile Jul 31 1996

Want to see more?

Complete timeline for Eastern Michigan Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Ruth State Bank Seller 36,647 Acquisition Discontinued 4/1/2016
Eastern Michigan Mortgage Company Llc Seller Pooling of Interests Discontinued 1/1/2011
Sanilac County Bank Seller 38,514 Discontinued 3/13/1992
Relationships Role Relationship Start Relationship End
Eastern Michigan Financial Corporation Parent 1/7/1985
Eastern Michigan Real Estate Company Subsidary 6/30/2007
Eastern Michigan Financial Services, Inc. Subsidary 6/30/2007
Eastern Michigan Mortgage Company Llc Subsidary 1/2/2002 12/31/2010
Eastern Michigan Real Estate Company Subsidary 7/31/1996 6/29/2007
Eastern Michigan Financial Services, Inc. Subsidary 12/1/1996 6/29/2007
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