Vitals
  • Total Assets
    455.6M 9.5 %
  • Total Deposits
    366.4M 1.7 %
  • Total Net Loans
    351.1M 18.2 %
  • Net Income
    4.5M -7.9 %
  • Book Value
    43.1M 11.5 %
  • Book Value x2
    86.1M 11.5 %
  • Book Value x3
    129.2M 11.5 %
ROAA

1.037

ROAE

10.877

Efficiency Ratio

57.768

Net Interest Margin

3.586

Balance Sheet Highlights
Financial Highlights First National Bank Of Michigan All Insured Commercial Banks in Michigan
Balance Sheet $(000)
Total Assets 455,598 330,697
Total Net Loans 351,119 227,599
Total Deposits 366,415 278,247
Total Equity 43,056 33,935
Profitability
Net Income 4,495 3,589
Return on Average Assets 1.037 .954
Return on Average Equity 10.877 8.772
Net Interest Margin 3.586 3.821
Efficiency Ratio 57.768 71.925
Noninterest Income/Revenue 6.06 24.061
Balance Sheet Ratios
Loan-to-Deposit 95.826 76.845
Securities/Assets .161 .16
Total Equity/Total Assets .095 .103
Tangible Equity/Tangible Assets .095 .098
Capital Adequacy
Tier 1 Common Capital 42,935 32,553
Tier 1 Capital 42,935 32,664
Tier 2 Capital 4,894 2,479
Total Capital 47,829 35,133
Total Risk Weighted Assets 391,201 242,208
Leverage Ratio 9.61 10.341
Common Equity Tier 1 Capital Ratio 10.98 15.339
Tier 1 Capital Ratio 10.98 15.393
Total Capital Ratio 12.23 16.423

Timeline for First National Bank Of Michigan

First National Bank Of Michigan

First National Bank Of Michigan was established 18 years ago and is currently headquartered in Kalamazoo, MI.

Apr 12 2006

First National Bancorp, Inc.

First National Bancorp, Inc. became a new parent organization for First National Bank Of Michigan.

View Profile Apr 12 2006
Relationships Role Relationship Start Relationship End
First National Bancorp, Inc. Parent 4/12/2006
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