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Fmb-First Michigan Bank

Zeeland, MI · Cert 10558

FDIC

Q2 1997

$1.4BAssets
$1.1BLoans
$1.1BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.54%, up 2 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 93.92% of deposits as of Q2 1997.

Return on Assets (YTD, annualized)

1.54%+2 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997YoY ΔTrend
Earnings
Return on Assets1.39%1.42%1.49%1.52%1.52%1.64%1.46%1.54%+2 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)12.58%14.73%12.12%8.13%9.42%6.70%9.32%11.84%+371 bps
Loan Growth (YoY)13.63%14.65%12.86%12.58%12.21%11.78%14.64%15.63%+304 bps
Deposit Growth (YoY)12.90%19.63%11.09%7.59%10.93%4.10%8.21%6.65%-94 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits82.37%81.90%85.41%86.63%83.32%87.95%90.49%93.92%+729 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a