| Weiss Ratings |
First National Bank of Michigan
Kalamazoo, MI |
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| Rating | ||||
| Asset Quality Index | 7.30 | |||
| Capitalization Index | 7.40 | |||
| Liquidity Index | 0.60 | |||
| Profitability Index | 3.30 | |||
| Stability Index | 5.80 | |||
| 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 | 0.27% | |||
| 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 | 0.03% | |||
| Non-Performing Loans to Capital | 0.28% | |||
| Non-Performing Loans to Loans | 0.04% | |||
| Balance Sheet |
First National Bank of Michigan
Kalamazoo, MI |
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| Total Assets | 980.64M | |||
| Total Deposits | 777.07M | |||
| Capital and Reserves |
First National Bank of Michigan
Kalamazoo, MI |
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| Capital | 84.51M | |||
| Leverage Ratio | 9.26 | |||
| Loan Loss Reserves to Loans | 1.34% | |||
| Risk-Based Capital Ratio | 12.11 | |||
| Liquidity |
First National Bank of Michigan
Kalamazoo, MI |
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| Hot Money Ratio | 27.99% | |||
| Liquidity Ratio | 11.13% | |||
| Profitability |
First National Bank of Michigan
Kalamazoo, MI |
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| 5-Year Return on Average Assets | 0.65% | |||
| Net Income | 3.27M | |||
| Net Interest Spread | 2.72% | |||
| Operating Profit to Average Assets | 0.83% | |||
| Overhead Efficiency Ratio | 66.57% | |||
| Return on Assets | 0.67% | |||
| Return on Equity | 7.96% | |||