Vitals
  • Total Assets
    165.2M 4.5 %
  • Total Deposits
    147.0M 4.6 %
  • Total Net Loans
    102.6M 5.0 %
  • Net Income
    1.6M 9.6 %
  • Book Value
    17.8M 3.6 %
  • Book Value x2
    35.7M 3.6 %
  • Book Value x3
    53.5M 3.6 %
ROAA

.977

ROAE

8.832

Efficiency Ratio

62.876

Net Interest Margin

3.841

Balance Sheet Highlights
Financial Highlights Exchange State Bank All Insured Commercial Banks in Michigan
Balance Sheet $(000)
Total Assets 165,216 330,697
Total Net Loans 102,621 227,599
Total Deposits 147,001 278,247
Total Equity 17,828 33,935
Profitability
Net Income 1,563 3,589
Return on Average Assets .977 .954
Return on Average Equity 8.832 8.772
Net Interest Margin 3.841 3.821
Efficiency Ratio 62.876 71.925
Noninterest Income/Revenue 10.551 24.061
Balance Sheet Ratios
Loan-to-Deposit 69.81 76.845
Securities/Assets .274 .16
Total Equity/Total Assets .108 .103
Tangible Equity/Tangible Assets .107 .098
Capital Adequacy
Tier 1 Common Capital 18,049 32,553
Tier 1 Capital 18,049 32,664
Tier 2 Capital 1,091 2,479
Total Capital 19,140 35,133
Total Risk Weighted Assets 87,047 242,208
Leverage Ratio 10.92 10.341
Common Equity Tier 1 Capital Ratio 20.73 15.339
Tier 1 Capital Ratio 20.73 15.393
Total Capital Ratio 21.99 16.423

Timeline for Exchange State Bank

Exchange State Bank Mortgage Company

Exchange State Bank Mortgage Company became a new subsidiary organization for Exchange State Bank.

View Profile Feb 16 2002

Exchange State Bank Corp.

Exchange State Bank Corp. became a new parent organization for Exchange State Bank.

View Profile Jul 15 1998

Exchange State Bank

Exchange State Bank was established 122 years ago and is currently headquartered in Carsonville, MI.

Jun 01 1901
Relationships Role Relationship Start Relationship End
Exchange State Bank Corp. Parent 7/15/1998
Exchange State Bank Mortgage Company Subsidary 6/30/2007 12/31/2010
Exchange State Bank Mortgage Company Subsidary 2/16/2002 6/29/2007
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