Leverage Ratio Over Time
Leverage Ratio First National Bank Of Gaylord All Insured Commercial Banks in Michigan
06-30-2004 5.37 9.733
03-31-2004 4.96 9.631
12-31-2003 4.59 9.63
09-30-2003 5.9 9.533
06-30-2003 5.72 9.506
03-31-2003 6.42 9.483
12-31-2002 6.61 9.385