| Weiss Ratings |
First Bank, Upper Michigan
Gladstone, MI |
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| Rating | ||||
| Asset Quality Index | 6.80 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.50 | |||
| Profitability Index | 7.40 | |||
| 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 | 2.45% | |||
| 5-Year Asset Growth | 3.97% | |||
| 5-Year Charge-Offs to Average Loans | 0.11% | |||
| Charge-Offs to Average Loans | 0.12% | |||
| Non-Performing Assets to Assets | 0.28% | |||
| Non-Performing Loans to Capital | 2.96% | |||
| Non-Performing Loans to Loans | 0.39% | |||
| Balance Sheet |
First Bank, Upper Michigan
Gladstone, MI |
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| Total Assets | 632.87M | |||
| Total Deposits | 524.45M | |||
| Capital and Reserves |
First Bank, Upper Michigan
Gladstone, MI |
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| Capital | 81.96M | |||
| Leverage Ratio | 12.16 | |||
| Loan Loss Reserves to Loans | 1.12% | |||
| Risk-Based Capital Ratio | 16.80 | |||
| Liquidity |
First Bank, Upper Michigan
Gladstone, MI |
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| Hot Money Ratio | 19.32% | |||
| Liquidity Ratio | 20.55% | |||
| Profitability |
First Bank, Upper Michigan
Gladstone, MI |
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| 5-Year Return on Average Assets | 1.67% | |||
| Net Income | 11.79M | |||
| Net Interest Spread | 4.10% | |||
| Operating Profit to Average Assets | 1.87% | |||
| Overhead Efficiency Ratio | 60.14% | |||
| Return on Assets | 1.87% | |||
| Return on Equity | 15.59% | |||