PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fmb-First Michigan Bank

Grand Rapids, MI · Cert 22128

FDIC

Q2 1997

$567.2MAssets
$431.9MLoans
$460.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.91%, down 5 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 93.72% of deposits as of Q2 1997.

Return on Assets (YTD, annualized)

0.91%-5 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 Assets0.82%0.88%0.88%0.96%0.96%0.99%0.84%0.91%-5 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)20.87%20.06%16.19%15.58%18.30%15.66%13.16%13.91%-167 bps
Loan Growth (YoY)28.80%23.78%15.62%17.95%17.53%17.57%16.70%13.85%-410 bps
Deposit Growth (YoY)21.03%20.97%15.68%14.76%17.86%11.55%7.24%4.18%-1,058 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 / Deposits86.01%84.39%83.93%85.75%85.77%88.94%91.34%93.72%+796 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