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Fmb-Reed City Bank

Reed City, MI · Cert 14001

FDIC

Q2 1997

$79.6MAssets
$35.1MLoans
$70.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.86%, up 15 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 49.51% of deposits as of Q2 1997.

Return on Assets (YTD, annualized)

1.86%+15 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 Assets1.98%1.93%1.70%1.71%1.71%1.73%1.79%1.86%+15 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)4.79%6.46%10.12%8.23%5.48%5.26%8.41%11.06%+283 bps
Loan Growth (YoY)-0.16%-2.63%1.34%4.42%12.68%15.07%18.59%21.62%+1,719 bps
Deposit Growth (YoY)4.07%5.13%9.64%3.86%3.21%4.67%7.29%11.27%+741 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 / Deposits42.81%42.89%41.77%45.30%46.74%47.15%46.17%49.51%+421 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