Eastern Michigan Bank

Overview / Commentary

www.emb.bank

810-679-2500

65 North Howard Avenue
Croswell, MI 48422

Eastern Michigan Bank is headquartered in Croswell and is the 32^nd largest bank in the state of Michigan. It is also the 1,857^th largest bank in the nation. It was established in 1895 and as of December of 2019, it had grown to 80 employees at 11 locations. Eastern Michigan Bank has an A health rating.

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Health

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	982
Year Established	1895
Employees	80
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.12%
Return on Equity - YTD	11.45%
Annual Interest Income	$12.8MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$373.9MM$355.0MM
Loans	Q4 2019vs Q4 2018	$179.8MM$175.1MM
Deposits	Q4 2019vs Q4 2018	$334.4MM$320.1MM
Equity Capital	Q4 2019vs Q4 2018	$38.2MM$34.0MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$1.6MM$1.6MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$527.00K$206.00K
Real Estate Owned	Q4 2019vs Q4 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Eastern Michigan Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	$100	-	Statement Savings Account
0.05%	-	-	365 Club Savings Account
0.05%	$10	-	Sunny Savers Account

Eastern Michigan Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$100k^*	-	Prestige Money Market Savings Account
OTHER TIERS: 0.03% → Up to $10k \| 0.05% → $10k - $50k \| 0.10% → $50k - $100k

Eastern Michigan Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%^*	$100k^*	-	Interest Checking Account
OTHER TIERS: 0.01% → Up to $2.5k \| 0.03% → $2.5k - $25k \| 0.05% → $25k - $100k
0.10%^*	$100k^*	-	Advantage 50 Checking
OTHER TIERS: 0.01% → Up to $2.5k \| 0.03% → $2.5k - $25k \| 0.05% → $25k - $100k

Eastern Michigan Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%	$1k	-	60 Month CD
0.65%	$1k	-	48 Month CD
0.60%	$2.5k	-	36 Month Adv 50 Club CD
0.50%	$1k	-	36 Month CD
0.40%	$2.5k	-	24 Month Adv 50 Club CD
0.30%	$1k	-	24 Month CD
0.30%	$1k	-	30 Month CD
0.25%	$2.5k	-	12 Month Adv 50 Club CD
0.15%	$1k	-	12 Month CD
0.10%	$1k	-	6 Month CD
0.10%	$1k	-	9 Month CD

Eastern Michigan Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%	$500	-	60 Month IRA
0.65%	$500	-	48 Month IRA
0.50%	$500	-	36 Month IRA
0.30%	$500	-	24 Month IRA
0.30%	$500	-	30 Month IRA
0.15%	$500	-	12 Month IRA
0.10%	$500	-	6 Month IRA
0.10%	$500	-	9 Month IRA

Locations

Cities: Croswell, Deckerville, Fort Gratiot, Lakeport, Lexington, Marysville, Port Huron, Ruth, Sandusky

Croswell Branches
Eastern Michigan Bank	65 North Howard Avenue	Croswell, MI 48422
Croswell Branch	37 N Horward Ave	Croswell, MI 48422

Deckerville Branches
Deckerville Branch	3636 Main Street	Deckerville, MI 48427

Fort Gratiot Branches
Fort Gratiot Office	3061 Krafft Road	Fort Gratiot, MI 48059

Lakeport Branches
Lakeport Branch	7090 Lakeshore Road	Lakeport, MI 48059

Lexington Branches
Lexington Branch	5446 Main Street	Lexington, MI 48450

Marysville Branches
Marysville Branch	2970 Gratiot Boulevard	Marysville, MI 48040

Port Huron Branches
Port Huron Branch	600 Water Street	Port Huron, MI 48060

Ruth Branches
Ruth State Bank Branch	7004 East Atwater Road	Ruth, MI 48470

Sandusky Branches
Sandusky Area Branch	324 South Elk Street	Sandusky, MI 48471

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