Vitals
  • Total Assets
    399.4M 4.0 %
  • Total Deposits
    318.4M 3.3 %
  • Total Net Loans
    308.0M 8.0 %
  • Net Income
    3.1M 8.7 %
  • Book Value
    33.9M 2.8 %
  • Book Value x2
    67.7M 2.8 %
  • Book Value x3
    101.6M 2.8 %
ROAA

.79

ROAE

9.371

Efficiency Ratio

65.86

Net Interest Margin

3.116

Balance Sheet Highlights
Financial Highlights Commercial Bank All Insured Commercial Banks in Michigan
Balance Sheet $(000)
Total Assets 399,364 330,697
Total Net Loans 307,996 227,599
Total Deposits 318,432 278,247
Total Equity 33,859 33,935
Profitability
Net Income 3,145 3,589
Return on Average Assets .79 .954
Return on Average Equity 9.371 8.772
Net Interest Margin 3.116 3.821
Efficiency Ratio 65.86 71.925
Noninterest Income/Revenue 9.379 24.061
Balance Sheet Ratios
Loan-to-Deposit 96.723 76.845
Securities/Assets .053 .16
Total Equity/Total Assets .085 .103
Tangible Equity/Tangible Assets .084 .098
Capital Adequacy
Tier 1 Common Capital 33,895 32,553
Tier 1 Capital 33,895 32,664
Tier 2 Capital 2,692 2,479
Total Capital 36,587 35,133
Total Risk Weighted Assets 262,961 242,208
Leverage Ratio 8.45 10.341
Common Equity Tier 1 Capital Ratio 12.89 15.339
Tier 1 Capital Ratio 12.89 15.393
Total Capital Ratio 13.91 16.423

Timeline for Commercial Bank

Mainstreet Savings Bank, Fsb

Acquisition: Commercial Bank acquired a new subsidiary, Mainstreet Savings Bank, Fsb, 13 years

View Profile Jul 17 2010

Cnfc Mortgage Corporation

Cnfc Mortgage Corporation became a new subsidiary organization for Commercial Bank.

View Profile Mar 09 2001

Cnfc Financial Services Inc.

Cnfc Financial Services Inc. became a new subsidiary organization for Commercial Bank.

View Profile Jul 16 1997

Commercial National Financial Corporation

Commercial National Financial Corporation became a new parent organization for Commercial Bank.

View Profile May 31 1988

Commercial National Bank

Acquisition: Commercial Bank acquired a new subsidiary, Commercial National Bank, 40 years

View Profile Sep 30 1983

Want to see more?

Complete timeline for Commercial Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Mainstreet Savings Bank, Fsb Seller 96,584 Failure 7/17/2010
Commercial National Bank Seller 69,484 Discontinued 9/30/1983
Relationships Role Relationship Start Relationship End
Commercial National Financial Corporation Parent 5/31/1988
Michigan National Bank-West Metro Parent 12/31/1978 9/30/1983
Michigan National Bank Parent 12/31/1976 12/30/1978
Cnfc Financial Services Inc. Subsidary 6/30/2007
Cnfc Mortgage Corporation Subsidary 6/30/2007 12/31/2008
Cnfc Financial Services Inc. Subsidary 7/16/1997 6/29/2007
Cnfc Mortgage Corporation Subsidary 3/9/2001 6/29/2007
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