First National Bank Of Gaylord
Gaylord, MI — Domestic Branch of a Domestic Bank
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Total Assets154.9M -26.5 %
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Total Deposits124.0M -24.6 %
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Total Net Loans97.0M -31.5 %
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Net Income
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Book Value8.2M -34.5 %
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Book Value x216.5M -34.5 %
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Book Value x324.7M -34.5 %
Financial Highlights | First National Bank Of Gaylord | All Insured Commercial Banks in Michigan |
Balance Sheet $(000) | ||
Total Assets | 154,904 | 220,599 |
Total Net Loans | 97,022 | 168,345 |
Total Deposits | 123,970 | 175,755 |
Total Equity | 8,241 | 21,510 |
Profitability | ||
Net Income | — | 6,714 |
Return on Average Assets | — | 1.279 |
Return on Average Equity | — | 10.923 |
Net Interest Margin | 3.138 | 4.111 |
Efficiency Ratio | 93.583 | 65.538 |
Noninterest Income/Revenue | 11.964 | 15.175 |
Balance Sheet Ratios | ||
Loan-to-Deposit | 78.263 | 89.905 |
Securities/Assets | .171 | 1.082 |
Total Equity/Total Assets | .053 | .098 |
Tangible Equity/Tangible Assets | .047 | -.47 |
Capital Adequacy | ||
Tier 1 Common Capital | — | — |
Tier 1 Capital | 8,338 | 20,139 |
Tier 2 Capital | 1,316 | 2,152 |
Total Capital | 9,654 | 22,084 |
Total Risk Weighted Assets | 100,040 | 163,460 |
Leverage Ratio | 5.37 | 9.733 |
Common Equity Tier 1 Capital Ratio | — | — |
Tier 1 Capital Ratio | 8.34 | 13.569 |
Total Capital Ratio | 9.65 | 14.791 |
Timeline for First National Bank Of Gaylord
Independent Bank
First National Bank Of Gaylord was acquired by Independent Bank 19 years
View Profile Jul 01 2004Michigan Bankers Title Of Northern Michigan, L.L.C.
Michigan Bankers Title Of Northern Michigan, L.L.C. became a new subsidiary organization for First National Bank Of Gaylord.
View Profile Apr 01 1998Eagle Investments International, Inc.
Eagle Investments International, Inc. became a new subsidiary organization for First National Bank Of Gaylord.
View Profile Dec 16 1997First Of Gaylord Financial Services, Inc.
First Of Gaylord Financial Services, Inc. became a new subsidiary organization for First National Bank Of Gaylord.
View Profile Oct 23 1997North Bancorp, Inc.
North Bancorp, Inc. became a new parent organization for First National Bank Of Gaylord.
View Profile Mar 08 1991Want to see more?
Complete timeline for First National Bank Of Gaylord is available.
View Complete TimelineAcquisitions & Mergers | Role | Assets | Acct Method | Type | Transaction Date |
Independent Bank | Buyer | 2,526,827 | Acquisition | Discontinued | 7/1/2004 |
Relationships | Role | Relationship Start | Relationship End |
North Bancorp, Inc. | Parent | 3/8/1991 | 6/30/2004 |
First Of Gaylord Financial Services, Inc. | Subsidary | 10/23/1997 | 6/30/2004 |
Michigan Bankers Title Of Northern Michigan, L.L.C. | Subsidary | 4/1/1998 | 8/31/2001 |
Eagle Investments International, Inc. | Subsidary | 12/16/1997 | 4/20/1998 |
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