First National Bank Of America Financial Statements & Health Reports

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ROAA

2.439

ROAE

Efficiency Ratio

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	First National Bank Of America	All Insured Commercial Banks in Michigan
Balance Sheet $(000)
Total Assets	1,121,439	330,697
Total Net Loans	1,006,327	227,599
Total Deposits	826,786	278,247
Total Equity	104,624	33,935
Profitability
Net Income	23,348	3,589
Return on Average Assets	2.439	.954
Return on Average Equity	24.696	8.772
Net Interest Margin	7.018	3.821
Efficiency Ratio	42.752	71.925
Noninterest Income/Revenue	4.514	24.061
Balance Sheet Ratios
Loan-to-Deposit	121.716	76.845
Securities/Assets	.05	.16
Total Equity/Total Assets	.093	.103
Tangible Equity/Tangible Assets	.093	.098
Capital Adequacy
Tier 1 Common Capital	104,543	32,553
Tier 1 Capital	104,543	32,664
Tier 2 Capital	9,215	2,479
Total Capital	113,758	35,133
Total Risk Weighted Assets	732,112	242,208
Leverage Ratio	9.68	10.341
Common Equity Tier 1 Capital Ratio	14.28	15.339
Tier 1 Capital Ratio	14.28	15.393
Total Capital Ratio	15.54	16.423

North Division Building, Lc became a new subsidiary organization for First National Bank Of America.

View Profile Mar 26 2013

First National Kentwood Building, Lc became a new subsidiary organization for First National Bank Of America.

View Profile Mar 25 2013

North America Services, Llc became a new subsidiary organization for First National Bank Of America.

View Profile Oct 01 2007

Eagle Management Services, Llc became a new subsidiary organization for First National Bank Of America.

View Profile Jan 01 2007

Rose Acceptance became a new subsidiary organization for First National Bank Of America.

View Profile Jan 01 2007

Complete timeline for First National Bank Of America is available.

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Relationships	Role	Relationship Start	Relationship End
First National Bancshares, Inc.	Parent	12/10/1981
Michigan National Corporation	Parent	12/31/1973	9/29/1976
First National Building, Lc	Subsidary	5/8/1998
First National Acceptance Company	Subsidary	6/30/2007
First National Development Company	Subsidary	6/30/2007
First National Kentwood Building, Lc	Subsidary	3/25/2013
North Division Building, Lc	Subsidary	3/26/2013
First National Management Company, Lc	Subsidary	10/30/1998	12/31/2010
Eagle Management Services, Llc	Subsidary	1/1/2007	12/31/2010
North America Services, Llc	Subsidary	10/1/2007	12/31/2010
Rose Acceptance	Subsidary	1/1/2007	12/31/2010
First National Acceptance Company Of North America, Inc.	Subsidary	6/30/2007	9/30/2007
First National Acceptance Company Of North America, Inc.	Subsidary	6/5/1997	6/29/2007
First National Acceptance Company	Subsidary	6/26/1998	6/29/2007
First National Development Company	Subsidary	12/28/1999	6/29/2007
Equifunding, Inc.	Subsidary	3/5/1996	9/29/2004
First National Acceptance Company Of Iowa	Subsidary	12/27/1999	12/31/2001
Ottaco Acceptance, Inc.	Subsidary	1/1/1999	12/30/2001
Advertising Company Of America Ii	Subsidary	12/27/1999	12/30/2001
First National Acceptance Company Of Minnesota	Subsidary	12/27/1999	12/31/2000
Fna Of Florida, Inc.	Subsidary	12/28/1999	12/31/2000
Fna Of Georgia, Inc	Subsidary	12/27/1999	12/31/2000

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