First National Bank of America
Major Rating Factors:
A current level of 19.4 percent of nonperforming loans to core capital combined with 17.9 percent from a year earlier contributes to the Fair asset quality (4.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 3.5%, coupled with a return on assets of 2.8 has resulted in Excellent (9.8) profitability. Good current capitalization (6.1 on a scale of 0 to 10) based on a risk-based capital ratio of 16.5 and a capital leverage ratio of 8.1.
Asset Mix:
Home mtgs (85%), cash (5%), comm re (1%), securities (1%), other (8%)
States with Branches:
MI
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
First National Bancshares, Inc.
Investment Rating
--
Address
241 East Saginaw Street
East Lansing, MI 48823
East Lansing, MI 48823
Phone Number
(800) 266-7661
Year Founded
1955
FDIC Number
Website
Largest Affiliates
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