| Weiss Ratings |
First National Bank of Michigan
Kalamazoo, MI |
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| Rating | ||||
| Asset Quality Index | 3.80 | |||
| Capitalization Index | 7.80 | |||
| Liquidity Index | 0.10 | |||
| Profitability Index | 4.30 | |||
| 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 | 0.84% | |||
| 5-Year Asset Growth | 5.68% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.81% | |||
| Non-Performing Loans to Capital | 6.95% | |||
| Non-Performing Loans to Loans | 0.97% | |||
| Balance Sheet |
First National Bank of Michigan
Kalamazoo, MI |
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| Total Assets | 988.87M | |||
| Total Deposits | 807.18M | |||
| Capital and Reserves |
First National Bank of Michigan
Kalamazoo, MI |
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| Capital | 90.05M | |||
| Leverage Ratio | 9.54 | |||
| Loan Loss Reserves to Loans | 1.44% | |||
| Risk-Based Capital Ratio | 12.21 | |||
| Liquidity |
First National Bank of Michigan
Kalamazoo, MI |
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| Hot Money Ratio | 26.75% | |||
| Liquidity Ratio | 11.44% | |||
| Profitability |
First National Bank of Michigan
Kalamazoo, MI |
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| 5-Year Return on Average Assets | 0.66% | |||
| Net Income | 4.84M | |||
| Net Interest Spread | 3.29% | |||
| Operating Profit to Average Assets | 1.22% | |||
| Overhead Efficiency Ratio | 58.75% | |||
| Return on Assets | 0.99% | |||
| Return on Equity | 10.84% | |||