Total Capital Ratio Over Time
Total Capital Ratio First National Bank Of Gaylord All Insured Commercial Banks in Michigan
06-30-2004 9.65 14.791
03-31-2004 9.62 14.73
12-31-2003 9.38 14.758
09-30-2003 11.59 14.958
06-30-2003 10.53 14.84
03-31-2003 10.71 14.865
12-31-2002 10.35 14.692