Vitals
  • Total Assets
    250.2M 3.0 %
  • Total Deposits
    206.0M 6.3 %
  • Total Net Loans
    167.8M 0.1 %
  • Net Income
    382000.0000 -9.3 %
  • Book Value
    37.9M -11.5 %
  • Book Value x2
    75.8M -11.5 %
  • Book Value x3
    113.8M -11.5 %
ROAA

.612

ROAE

3.997

Efficiency Ratio

74.131

Net Interest Margin

3.715

Balance Sheet Highlights
Financial Highlights Keystone Community Bank All Insured Commercial Banks in Michigan
Balance Sheet $(000)
Total Assets 250,224 278,445
Total Net Loans 167,795 178,664
Total Deposits 205,996 237,429
Total Equity 37,919 28,933
Profitability
Net Income 382 554
Return on Average Assets .612 .659
Return on Average Equity 3.997 6.422
Net Interest Margin 3.715 3.782
Efficiency Ratio 74.131 76.846
Noninterest Income/Revenue 7.128 18.965
Balance Sheet Ratios
Loan-to-Deposit 81.456 72.672
Securities/Assets .169 .181
Total Equity/Total Assets .152 .104
Tangible Equity/Tangible Assets .086 .101
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 22,190 27,166
Tier 2 Capital 2,300 2,228
Total Capital 24,490 29,380
Total Risk Weighted Assets 182,186 188,418
Leverage Ratio 9.48 10.368
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 12.18 16.31
Total Capital Ratio 13.44 17.501

Timeline for Keystone Community Bank

Mercantile Bank Of Michigan

Keystone Community Bank was acquired by Mercantile Bank Of Michigan 9 years

View Profile Jul 01 2014

Mercantile Bank Corporation

Mercantile Bank Corporation became a new parent organization for Keystone Community Bank.

View Profile Jun 01 2014

Firstbank Corporation

Firstbank Corporation became a new parent organization for Keystone Community Bank.

View Profile Oct 01 2005

Keystone Mortgage Services, Llc

Keystone Mortgage Services, Llc became a new subsidiary organization for Keystone Community Bank.

View Profile May 31 2005

Keystone T.I. Subsidiary, Llc

Keystone T.I. Subsidiary, Llc became a new subsidiary organization for Keystone Community Bank.

View Profile May 31 2005

Want to see more?

Complete timeline for Keystone Community Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Mercantile Bank Of Michigan Buyer 3,043,801 Acquisition Discontinued 7/1/2014
Relationships Role Relationship Start Relationship End
Mercantile Bank Corporation Parent 6/1/2014 6/30/2014
Firstbank Corporation Parent 10/1/2005 5/31/2014
Keystone Financial Corporation Parent 9/1/1999 9/30/2005
Keystone Mortgage Services, Llc Subsidary 5/31/2005 2/28/2013
Keystone T.I. Subsidiary, Llc Subsidary 5/31/2005 12/30/2012
Keystone Premium Finance, Llc Subsidary 5/31/2005 6/30/2008
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