Fnb Financial
Three Rivers, MI — Domestic Branch of a Domestic Bank
Acquired Apr 2009
Vitals
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Total Assets151.6M -1.8 %
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Total Deposits121.5M -0.6 %
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Total Net Loans78.2M 7.9 %
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Net Income
-
Book Value25.9M -4.2 %
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Book Value x251.9M -4.2 %
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Book Value x377.8M -4.2 %
Balance Sheet Highlights
| Financial Highlights | Fnb Financial | All Insured Commercial Banks in Michigan |
| Balance Sheet $(000) | ||
| Total Assets | 151,619 | 248,367 |
| Total Net Loans | 78,154 | 181,516 |
| Total Deposits | 121,487 | 198,409 |
| Total Equity | 25,942 | 23,279 |
| Profitability | ||
| Net Income | — | 458 |
| Return on Average Assets | — | 1.252 |
| Return on Average Equity | — | 8.56 |
| Net Interest Margin | 3.179 | 3.632 |
| Efficiency Ratio | 87.123 | 80.184 |
| Noninterest Income/Revenue | 27.211 | 14.226 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 64.331 | 88.172 |
| Securities/Assets | .183 | .475 |
| Total Equity/Total Assets | .171 | .094 |
| Tangible Equity/Tangible Assets | .067 | -.112 |
| Capital Adequacy | ||
| Tier 1 Common Capital | — | — |
| Tier 1 Capital | 11,002 | 21,452 |
| Tier 2 Capital | 1,161 | 2,715 |
| Total Capital | 12,163 | 23,751 |
| Total Risk Weighted Assets | 91,444 | 187,182 |
| Leverage Ratio | 7.76 | 9.703 |
| Common Equity Tier 1 Capital Ratio | — | — |
| Tier 1 Capital Ratio | 12.03 | 13.408 |
| Total Capital Ratio | 13.3 | 14.62 |
Timeline for Fnb Financial
Southern Michigan Bank & Trust
Fnb Financial was acquired by Southern Michigan Bank & Trust 15 years
View Profile Apr 25 2009
Southern Michigan Bancorp, Inc.
Southern Michigan Bancorp, Inc. became a new parent organization for Fnb Financial.
View Profile Dec 01 2007
Smb Financial Services, Inc.
Smb Financial Services, Inc. became a new subsidiary organization for Fnb Financial.
View Profile Apr 14 2000
Fnb Financial Corporation
Fnb Financial Corporation became a new parent organization for Fnb Financial.
View Profile Apr 01 1996
Fnb Financial
Fnb Financial was established 160 years ago and is currently headquartered in Three Rivers, MI.
Jan 01 1864| Acquisitions & Mergers | Role | Assets | Acct Method | Type | Transaction Date |
| Southern Michigan Bank & Trust | Buyer | 619,467 | Pooling of Interests | Discontinued | 4/25/2009 |
| Relationships | Role | Relationship Start | Relationship End |
| Southern Michigan Bancorp, Inc. | Parent | 12/1/2007 | 4/24/2009 |
| Fnb Financial Corporation | Parent | 4/1/1996 | 11/30/2007 |
| Smb Financial Services, Inc. | Subsidary | 6/30/2007 | 4/24/2009 |
| Smb Financial Services, Inc. | Subsidary | 4/14/2000 | 6/29/2007 |
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