Vitals
  • Total Assets
    61.0M -0.4 %
  • Total Deposits
    48.2M -0.7 %
  • Total Net Loans
    36.4M -1.5 %
  • Net Income
    431000.0000 2.4 %
  • Book Value
    11.8M 1.8 %
  • Book Value x2
    23.6M 1.8 %
  • Book Value x3
    35.4M 1.8 %
ROAA

.943

ROAE

4.895

Efficiency Ratio

67.52

Net Interest Margin

4.616

Balance Sheet Highlights
Financial Highlights The Montrose State Bank All Insured Commercial Banks in Michigan
Balance Sheet $(000)
Total Assets 60,981 233,447
Total Net Loans 36,407 176,923
Total Deposits 48,234 187,158
Total Equity 11,785 23,864
Profitability
Net Income 431 13,864
Return on Average Assets .943 1.253
Return on Average Equity 4.895 9.369
Net Interest Margin 4.616 4.046
Efficiency Ratio 67.52 70.635
Noninterest Income/Revenue 12.264 14.474
Balance Sheet Ratios
Loan-to-Deposit 75.48 91.887
Securities/Assets .279 .951
Total Equity/Total Assets .193 .102
Tangible Equity/Tangible Assets .193 -.366
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 11,785 22,046
Tier 2 Capital 401 2,799
Total Capital 12,186 24,159
Total Risk Weighted Assets 31,731 182,244
Leverage Ratio 19.34 10.417
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 37.14 14.227
Total Capital Ratio 38.4 15.382

Timeline for The Montrose State Bank

Community State Bank

The Montrose State Bank was acquired by Community State Bank 16 years

View Profile Dec 01 2007

Msb Holding, Inc.

Msb Holding, Inc. became a new parent organization for The Montrose State Bank.

View Profile Jul 01 2004

The Montrose State Bank

The Montrose State Bank was established 111 years ago and is currently headquartered in Montrose, MI.

Oct 12 1912
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Community State Bank Buyer 193,206 Acquisition Discontinued 12/1/2007
Relationships Role Relationship Start Relationship End
Msb Holding, Inc. Parent 7/1/2004 11/30/2007
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