First National Bank in Howell in city_name, state_name - Detailed Financial Reports, Location

First National Bank in Howell in Howell, Michigan (MI)
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First National Bank in Howell routing number info

First National Bank in Howell - Overview

General
FDIC Certificate #: 14370
Status: Active
Federal Reserve ID: 755047
Bank Holding Company (Regulatory Top Holder): Fnbh Bancorp, Inc. (RSSDID: 1398795, Location: Howell, MI)
Date Established: May 12, 1934
WWW: http://www.fnbh.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 9 (Domestic: 9, Interstate: No)
FDIC's unique #: 8979
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: May 12, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 101 East Grand River Avenue, Howell, MI 48843
County: Livingston
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Detroit
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Ann Arbor, MI (#440)
Consolidated Metropolitan Statistical Area (CMSA): Detroit-Ann Arbor-Flint, MI (#35)
Combined Statistical Area (CSA): Detroit-Warren-Flint, MI (#220)
Core Based Statistical Area (CBSA): Detroit-Warren-Livonia, MI (#19820)
CBSA Metro Statistical Area: Detroit-Warren-Livonia, MI (#19820)
Core Based Statistical Division: Warren-Troy-Farmington Hills, MI (#47644)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $292.1 mil
Equity capital: $6.9 mil
Deposits held in domestic offices: $283.8 mil
Return on assets (ROA): -1.14% (-$3.3 mil)
Quarterly return on assets: 0.08% ($0.2 mil)
Return on Equity (ROE): -40.17% (-$2.8 mil)
Quarterly return on equity: 3.51% ($0.2 mil)
Net income: -$3.4 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: -1.14% (-$3,330.2 mil)
Quarterly Pretax return on assets: 0.26% ($759.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
85Total employees (full-time equivalent)
$292,121Total assets
$50,217Cash and due from depository institutions
$197Interest-bearing balances
$32,325Securities
$0Federal funds sold & reverse repurchase agreements
$196,154Net loans & leases
$12,690Loan loss allowance
$0Trading account assets
$7,494Bank premises and fixed assets
$3,026Other real estate owned
$3Goodwill and other intangibles
$292,121Life insurance assets
$2,902All other assets
$285,267Total liabilities and capital
$283,768Total liabilities
$252,735Total deposits
$283,768Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,499Subordinated debt
$6,854All other liabilities
$6,854Total equity capital
$6,854Total bank equity capital
$0Perpetual preferred stock
$656Common stock
$819Surplus
$5,379Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$22,970Income earned, not collected on loans
$0Earning assets
$739Long-term assets (5+ years)
$228,676Average Assets, year-to-date
$27,327Average Assets, quarterly
$295,586Volatile liabilities
$294,172Insider loans
$222,640FHLB advances
$290,143Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,078Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$17,866Restructured Loans and leases
$508Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$12,864Total interest income
$1,571Total interest expense
$11,293Net interest income
$6,200Provision for loan and lease losses
$2,474Total noninterest income
$202Fiduciary activities
$1,483Service charges on deposit accounts
$0Trading account gains & fees
$789Additional noninterest income
$11,268Total noninterest expense
$4,840Salaries and employee benefits
$1,268Premises and equipment expense
$5,160Additional noninterest expense
-$3,701Pre-tax net operating income
$336Securities gains (losses)
$0Applicable income taxes
-$3,365Income before extraordinary items
$0Extraordinary gains - net
-$3,365Net income attributable to bank
$0Net charge-offs
-$3,365Cash dividends
$7,480Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.20%Yield on earning assets
0.64%Cost of funding earning assets
4.57%Net interest margin
1.00%Noninterest income to earning assets
4.56%Noninterest expense to earning assets
-1.25%Net operating income to assets
-1.14%Return on assets (ROA)
-1.14%Pretax return on assets
-40.17%Return on equity (ROE)
-40.17%Retained earnings to average equity (YTD only)
3.36%Net charge-offs to loans
82.89%Credit loss provision to net charge-offs
0.33%Efficiency ratio
81,848Assets per employee
3.44%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
6.08%Loss allowance to noncurrent loans
55.25%Noncurrent assets plus other real estate owned to assets
8.90%Noncurrent loans to loans
11.00%Net loans and leases to deposits
69.12%Net loans and leases to core deposits
71.56%Equity capital to assets
2.35%Core capital (leverage) ratio
2.44%Tier 1 risk-based capital ratio
3.18%Total risk-based capital ratio
Memoranda
$4Average assets
$295,586Average earning assets
$8,377Average equity
$247,211Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$20,893Managed Assets
1Number of Accounts
$20,357Personal trust and agency accounts
$6,743Employee benefit-defined contribution accounts
$172Employee benefit-defined benefit accounts
$0Other retirement accounts
$2,469Corporate trust and agency accounts
$0Investment management agency accounts
$10,973Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
131Number of Accounts
$0Personal trust and agency accounts
$509Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$536Other retirement accounts
$0Corporate trust and agency accounts
$423Other fiduciary accounts
$50Fiduciary accounts held in foreign offices

List of branches

9 Michigan Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	8979	First National Bank In Howell	101 East Grand River Avenue, Howell, MI 48843	May 12, 1934	Full Service Brick and Mortar
1	231381	Drive-In Branch	110 East Washington Street, Howell, MI 48843	January 21, 1965	Limited Service Facility
3	231383	Brighton Township Branch	9911 East Grand River Avenue, Brighton, MI 48116	May 15, 1972	Full Service Brick and Mortar
4	231384	Hartland Branch	10700 Highland Road, Hartland, MI 48353	September 24, 1975	Full Service Brick and Mortar
5	231385	Fowlerville Branch	760 S. Grand Avenue, Fowlerville, MI 48836	October 15, 1990	Full Service Brick and Mortar
6	231386	Vg's In-Store Branch	2400 West Grand River, Howell, MI 48843	September 30, 1992	Full Service Retail
8	231388	Challis Road Branch	8080 Challis Road, Brighton, MI 48116	August 10, 1999	Full Service Brick and Mortar
9	364033	Genoa Branch	4299 East Grand River, Howell, MI 48843	April 15, 2002	Full Service Brick and Mortar
10	430570	M-36 Branch	9775 M-36, Whitmore Lake, MI 48189	April 15, 2004	Full Service Brick and Mortar

First National Bank in Howell in Howell, Michigan (MI)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank in Howell - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First National Bank in Howell in Howell, Michigan (MI)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank in Howell - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First National Bank in Howell in Howell, Michigan (MI)
Overview, Financial Summary, Detailed Financial Reports, Branches