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


  • First National Bank in Howell in Howell, Michigan (MI)
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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
  • NoIDNameAddressEstablishedService TypeMap
    08979First National Bank In Howell101 East Grand River Avenue, Howell, MI 48843May 12, 1934Full Service Brick and Mortar
    1231381Drive-In Branch110 East Washington Street, Howell, MI 48843January 21, 1965Limited Service Facility
    3231383Brighton Township Branch9911 East Grand River Avenue, Brighton, MI 48116May 15, 1972Full Service Brick and Mortar
    4231384Hartland Branch10700 Highland Road, Hartland, MI 48353September 24, 1975Full Service Brick and Mortar
    5231385Fowlerville Branch760 S. Grand Avenue, Fowlerville, MI 48836October 15, 1990Full Service Brick and Mortar
    6231386Vg's In-Store Branch2400 West Grand River, Howell, MI 48843September 30, 1992Full Service Retail
    8231388Challis Road Branch8080 Challis Road, Brighton, MI 48116August 10, 1999Full Service Brick and Mortar
    9364033Genoa Branch4299 East Grand River, Howell, MI 48843April 15, 2002Full Service Brick and Mortar
    10430570M-36 Branch9775 M-36, Whitmore Lake, MI 48189April 15, 2004Full Service Brick and Mortar

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