Vitals
  • Total Assets
    39.8M -9.2 %
  • Total Deposits
    35.6M -9.9 %
  • Total Net Loans
    10.4M -11.4 %
  • Net Income
    3000.0000 100.6 %
  • Book Value
    4.1M -2.5 %
  • Book Value x2
    8.1M -2.5 %
  • Book Value x3
    12.2M -2.5 %
ROAA

.01

ROAE

.097

Efficiency Ratio

99.915

Net Interest Margin

1.939

Balance Sheet Highlights
Financial Highlights Gratiot State Bank All Insured Commercial Banks in Wisconsin
Balance Sheet $(000)
Total Assets 39,770 235,936
Total Net Loans 10,352 162,199
Total Deposits 35,586 196,601
Total Equity 4,068 27,985
Profitability
Net Income 3 1,931
Return on Average Assets .01 .994
Return on Average Equity .097 8.396
Net Interest Margin 1.939 3.76
Efficiency Ratio 99.915 65.949
Noninterest Income/Revenue 5.314 14.926
Balance Sheet Ratios
Loan-to-Deposit 29.09 80.61
Securities/Assets .643 .174
Total Equity/Total Assets .102 .119
Tangible Equity/Tangible Assets .102 .116
Capital Adequacy
Tier 1 Common Capital 3,090 26,799
Tier 1 Capital 3,090 26,804
Tier 2 Capital 134 2,051
Total Capital 3,224 28,911
Total Risk Weighted Assets 16,326 174,338
Leverage Ratio 7.67 11.477
Common Equity Tier 1 Capital Ratio 18.93 16.376
Tier 1 Capital Ratio 18.93 16.383
Total Capital Ratio 19.75 17.576

Timeline for Gratiot State Bank

First National Bank At Darlington

Gratiot State Bank was acquired by First National Bank At Darlington 8 years

View Profile Oct 24 2015

Gratiot Bancshares Investments, Inc.

Gratiot Bancshares Investments, Inc. became a new subsidiary organization for Gratiot State Bank.

View Profile Dec 04 1991

Gratiot Bancshares, Inc.

Gratiot Bancshares, Inc. became a new parent organization for Gratiot State Bank.

View Profile Sep 30 1987

Gratiot State Bank

Gratiot State Bank was established 122 years ago and is currently headquartered in Gratiot, WI.

Feb 15 1902
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First National Bank At Darlington Buyer 141,405 Acquisition Discontinued 10/24/2015
Relationships Role Relationship Start Relationship End
Gratiot Bancshares, Inc. Parent 9/30/1987 10/23/2015
Gratiot Bancshares Investments, Inc. Subsidary 6/30/2007 1/31/2010
Gratiot Bancshares Investments, Inc. Subsidary 12/4/1991 6/29/2007
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