Lakestone Bank & Trust

Overview / Commentary

www.lakestonebank.com

810-664-2977

83 W. Nepessing St.
Lapeer, MI 48446

Lakestone Bank & Trust is headquartered in Lapeer and is the 21^st largest bank in the state of Michigan. It is also the 1,194^th largest bank in the nation. It was established in 1902 and as of December of 2018, it had grown to 137 employees at 13 locations. Lakestone Bank & Trust has an A health rating.

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Health

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	14913
Year Established	1902
Employees	137
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.13%
Return on Equity - YTD	11.94%
Annual Interest Income	$22.9MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$616.2MM$602.4MM
Loans	Q4 2018vs Q4 2017	$362.2MM$342.9MM
Deposits	Q4 2018vs Q4 2017	$542.5MM$539.6MM
Equity Capital	Q4 2018vs Q4 2017	$59.9MM$58.9MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$1.7MM$1.6MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$1.5MM$658.00K
Real Estate Owned	Q4 2018vs Q4 2017	$508.00K$592.00K

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.

Lakestone Bank & Trust Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.42%	$100	-	IRA Variable Savings
0.10%	$25	-	Health Savings Account
0.10%	$100	-	Passbook Savings
0.10%	$100	-	EDISS
0.10%	$100	-	IRA Savings
0.10%	$5	-	Christmas Club

Lakestone Bank & Trust Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%^*	$50k^*	-	Money Market Deposit Account
OTHER TIERS: 0.05% → Up to $2.5k \| 0.10% → $2.5k - $20k \| 0.13% → $20k - $50k

Lakestone Bank & Trust Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.93%^*	$50k^*	-	Choice Account
OTHER TIERS: 1.17% → $3k - $10k \| 1.67% → $10k - $50k
1.52%	-	$25k	Green Rewards
0.10%^*	$5k^*	-	Prestige Accounts
OTHER TIERS: 0.05% → $1k - $2.5k \| 0.08% → $2.5k - $5k
0.05%	$500	-	Interest Checking (NOW)

Lakestone Bank & Trust CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.26%^*	$25k^*	-	60 Month CD
OTHER TIERS: 0.69% → $1k - $10k \| 0.75% → $10k - $25k
1.00%^*	$25k^*	-	48-59 Month CD
OTHER TIERS: 0.63% → $1k - $10k \| 0.70% → $10k - $25k
0.90%^*	$25k^*	-	36-47 Month CD
OTHER TIERS: 0.26% → $1k - $10k \| 0.34% → $10k - $25k
0.75%^*	$25k^*	-	24-35 Month CD
OTHER TIERS: 0.50% → $1k - $25k
0.60%^*	$25k^*	-	12-23 Month CD
OTHER TIERS: 0.15% → $1k - $10k \| 0.21% → $10k - $25k
0.40%^*	$25k^*	-	6-11 Month CD
OTHER TIERS: 0.10% → $1k - $10k \| 0.15% → $10k - $25k
0.21%^*	$25k^*	-	15-179 Day CD
OTHER TIERS: 0.09% → $1k - $10k \| 0.14% → $10k - $25k

Lakestone Bank & Trust IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.26%^*	$25k^*	-	60 Month CD
OTHER TIERS: 0.69% → $500 - $10k \| 0.75% → $10k - $25k
1.00%^*	$25k^*	-	48-59 Month CD
OTHER TIERS: 0.63% → $500 - $10k \| 0.70% → $10k - $25k
0.90%^*	$25k^*	-	36-47 Month CD
OTHER TIERS: 0.26% → $500 - $10k \| 0.34% → $10k - $25k
0.75%^*	$25k^*	-	24-35 Month CD
OTHER TIERS: 0.50% → $500 - $25k
0.60%^*	$25k^*	-	12-23 Month CD
OTHER TIERS: 0.15% → $500 - $10k \| 0.21% → $10k - $25k
0.40%^*	$25k^*	-	6-11 Month CD
OTHER TIERS: 0.10% → $500 - $10k \| 0.15% → $10k - $25k
0.21%^*	$25k^*	-	15-179 Day CD
OTHER TIERS: 0.09% → $500 - $10k \| 0.14% → $10k - $25k

Locations

Sorry, but we do not have location data for Lakestone Bank & Trust. Its headquarters is located at 83 W. Nepessing St. - Lapeer, MI 48446

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