| Weiss Ratings |
First Bank, Upper Michigan
Gladstone, MI |
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| Rating | ||||
| Asset Quality Index | 6.70 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.10 | |||
| Profitability Index | 7.70 | |||
| Stability Index | 5.70 | |||
| Company Info |
First Bank, Upper Michigan
Gladstone, MI |
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| FDIC Number | 14276 | |||
| Phone Number | (906) 428-3535 | |||
| Website | www.first-bank.com | |||
| Asset Quality |
First Bank, Upper Michigan
Gladstone, MI |
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| 1-Year Asset Growth | 1.68% | |||
| 5-Year Asset Growth | 3.97% | |||
| 5-Year Charge-Offs to Average Loans | 0.11% | |||
| Charge-Offs to Average Loans | 0.08% | |||
| Non-Performing Assets to Assets | 0.46% | |||
| Non-Performing Loans to Capital | 3.95% | |||
| Non-Performing Loans to Loans | 0.63% | |||
| Balance Sheet |
First Bank, Upper Michigan
Gladstone, MI |
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| Total Assets | 629.49M | |||
| Total Deposits | 528.33M | |||
| Capital and Reserves |
First Bank, Upper Michigan
Gladstone, MI |
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| Capital | 83.46M | |||
| Leverage Ratio | 12.68 | |||
| Loan Loss Reserves to Loans | 1.14% | |||
| Risk-Based Capital Ratio | 17.02 | |||
| Liquidity |
First Bank, Upper Michigan
Gladstone, MI |
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| Hot Money Ratio | 19.19% | |||
| Liquidity Ratio | 18.51% | |||
| Profitability |
First Bank, Upper Michigan
Gladstone, MI |
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| 5-Year Return on Average Assets | 1.65% | |||
| Net Income | 6.41M | |||
| Net Interest Spread | 4.30% | |||
| Operating Profit to Average Assets | 2.02% | |||
| Overhead Efficiency Ratio | 58.97% | |||
| Return on Assets | 2.02% | |||
| Return on Equity | 15.49% | |||