Tier 1 Capital Ratio Over Time
Tier 1 Capital Ratio First National Bank Of Gaylord All Insured Commercial Banks in Michigan
06-30-2004 8.34 13.569
03-31-2004 8.31 13.499
12-31-2003 8.07 13.528
09-30-2003 10.28 13.713
06-30-2003 9.22 13.6
03-31-2003 9.44 13.623
12-31-2002 9.08 13.453