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This institution is no longer active

Operations ceased on April 6, 2015. CRA examination history below reflects the period it was active.

THE WEST MICHIGAN SAVINGS BANK

BANGOR, MI · Supervised by FDIC

Est. 1882FDIC #11,404RSSD: FDIC-11404
Outstanding Up

Current rating · Exam: June 2010

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Needs Attention

ROA -4.21%

Institution Profile

FDIC BankFind

Address

232 West Monroe Street, BANGOR, MI

County

Van Buren County

Established

January 1, 1882

Total Assets

$36M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 1, 2010

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 16 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2015Call Report / FDIC

Total Assets

$36M

Total Deposits

$33M

Net Loans

$12M

Net Income

$-378K

ROA

-4.21%

ROE

-52.08%

Risk-Based Capital

23.77%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

5 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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