| Weiss Ratings |
First Bank, Upper Michigan
Gladstone, MI |
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| Rating | ||||
| Asset Quality Index | 6.60 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.60 | |||
| Profitability Index | 7.30 | |||
| 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 | 3.72% | |||
| 5-Year Asset Growth | 6.35% | |||
| 5-Year Charge-Offs to Average Loans | 0.11% | |||
| Charge-Offs to Average Loans | 0.05% | |||
| Non-Performing Assets to Assets | 0.32% | |||
| Non-Performing Loans to Capital | 3.53% | |||
| Non-Performing Loans to Loans | 0.45% | |||
| Balance Sheet |
First Bank, Upper Michigan
Gladstone, MI |
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| Total Assets | 642.85M | |||
| Total Deposits | 538.44M | |||
| Capital and Reserves |
First Bank, Upper Michigan
Gladstone, MI |
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| Capital | 77.70M | |||
| Leverage Ratio | 11.85 | |||
| Loan Loss Reserves to Loans | 1.18% | |||
| Risk-Based Capital Ratio | 16.20 | |||
| Liquidity |
First Bank, Upper Michigan
Gladstone, MI |
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| Hot Money Ratio | 19.05% | |||
| Liquidity Ratio | 22.16% | |||
| Profitability |
First Bank, Upper Michigan
Gladstone, MI |
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| 5-Year Return on Average Assets | 1.67% | |||
| Net Income | 8.46M | |||
| Net Interest Spread | 4.07% | |||
| Operating Profit to Average Assets | 1.81% | |||
| Overhead Efficiency Ratio | 61.06% | |||
| Return on Assets | 1.81% | |||
| Return on Equity | 15.20% | |||