| Weiss Ratings |
First National Bank of Michigan
Kalamazoo, MI |
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| Rating | ||||
| Asset Quality Index | 5.80 | |||
| Capitalization Index | 7.40 | |||
| Liquidity Index | 0.40 | |||
| Profitability Index | 3.80 | |||
| Stability Index | 3.70 | |||
| Company Info |
First National Bank of Michigan
Kalamazoo, MI |
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| FDIC Number | 58259 | |||
| Phone Number | (269) 349-0100 | |||
| Website | www.fnbmichigan.bank | |||
| Asset Quality |
First National Bank of Michigan
Kalamazoo, MI |
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| 1-Year Asset Growth | -0.19% | |||
| 5-Year Asset Growth | 10.85% | |||
| 5-Year Charge-Offs to Average Loans | -0.01% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.53% | |||
| Non-Performing Loans to Capital | 5.07% | |||
| Non-Performing Loans to Loans | 0.65% | |||
| Balance Sheet |
First National Bank of Michigan
Kalamazoo, MI |
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| Total Assets | 971.71M | |||
| Total Deposits | 775.27M | |||
| Capital and Reserves |
First National Bank of Michigan
Kalamazoo, MI |
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| Capital | 86.00M | |||
| Leverage Ratio | 9.29 | |||
| Loan Loss Reserves to Loans | 1.33% | |||
| Risk-Based Capital Ratio | 12.21 | |||
| Liquidity |
First National Bank of Michigan
Kalamazoo, MI |
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| Hot Money Ratio | 28.46% | |||
| Liquidity Ratio | 11.26% | |||
| Profitability |
First National Bank of Michigan
Kalamazoo, MI |
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| 5-Year Return on Average Assets | 0.65% | |||
| Net Income | 5.49M | |||
| Net Interest Spread | 2.79% | |||
| Operating Profit to Average Assets | 0.94% | |||
| Overhead Efficiency Ratio | 65.06% | |||
| Return on Assets | 0.75% | |||
| Return on Equity | 8.81% | |||