The Miners State Bank Financial Statements & Health Reports

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ROAE

Efficiency Ratio

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	The Miners State Bank	All Insured Commercial Banks in Michigan
Balance Sheet $(000)
Total Assets	124,301	330,697
Total Net Loans	82,224	227,599
Total Deposits	110,243	278,247
Total Equity	12,564	33,935
Profitability
Net Income	746	3,589
Return on Average Assets	.604	.954
Return on Average Equity	5.726	8.772
Net Interest Margin	4.226	3.821
Efficiency Ratio	74.098	71.925
Noninterest Income/Revenue	9.988	24.061
Balance Sheet Ratios
Loan-to-Deposit	74.584	76.845
Securities/Assets	.219	.16
Total Equity/Total Assets	.101	.103
Tangible Equity/Tangible Assets	.099	.098
Capital Adequacy
Tier 1 Common Capital	12,826	32,553
Tier 1 Capital	12,826	32,664
Tier 2 Capital	893	2,479
Total Capital	13,719	35,133
Total Risk Weighted Assets	93,442	242,208
Leverage Ratio	10.28	10.341
Common Equity Tier 1 Capital Ratio	13.73	15.339
Tier 1 Capital Ratio	13.73	15.393
Total Capital Ratio	14.68	16.423

Msb Bankshares, Inc. became a new parent organization for The Miners State Bank.

View Profile Mar 15 2001

The Miners State Bank was established 92 years ago and is currently headquartered in Iron River, MI.

Jan 01 1932

Relationships	Role	Relationship Start	Relationship End
Msb Bankshares, Inc.	Parent	3/15/2001

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