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Letter portraitLegal landscapeQuarterYTD

Fmb-Security Bank

Manistee, MI · Cert 17914

FDIC

Q2 1997

$110.0MAssets
$70.7MLoans
$98.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.57%, up 2 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 71.92% of deposits as of Q2 1997.

Return on Assets (YTD, annualized)

1.57%+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 Assets1.49%1.51%1.49%1.55%1.56%1.65%1.56%1.57%+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)4.52%4.28%1.44%0.45%3.94%2.93%5.19%8.36%+790 bps
Loan Growth (YoY)7.89%5.73%3.56%-2.42%3.18%4.03%5.38%11.65%+1,407 bps
Deposit Growth (YoY)5.17%4.90%1.43%0.05%2.07%1.07%1.77%6.76%+672 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 / Deposits67.21%67.44%68.79%68.77%67.94%69.42%71.23%71.92%+315 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