First Federal of Northern Michigan Bancorp, Inc. - Earning & Dividend Analysis Snapshot

This detailed Report provides an Earnings and Dividends history for First Federal of Northern Michigan Bancorp, Inc.. Tabular results include up to a ten-year history of "as reported" Earnings per Share and Dividends per Share plus a calculation of the amount of earnings paid out over the year in dividends (i.e. Payout Ratio). Earnings and Dividends are presented on both a Quarterly and Annual basis. An annual Percent Change factor is calculated for both Earnings and Dividends.

First Federal of Northern Michigan Bancorp, Inc.. The Group's principal activity is to attract deposits from the general public and lend loans. The deposit instruments include NOW accounts, regular savings, money market deposit, term certificate accounts and individual retirement accounts. The loan portfolio includes real estate loans and non-real estate loans including commercial loans, consumer installment loans, credit card advances and loans secured by savings accounts, automobiles, mobile homes, boats, recreational vehicles and other personal property. The Group operations are carried out through eight full-service offices in Alpena, Ossineke, Mio, Cheboygan, Oscoda, Lewiston, Mancelona, Alanson and Gaylord.

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