First National Bank of Michigan is very strong financially with a capital-to-assets ratio of over 13 percent, which is a high level of capital for a bank of our size. Our approach has been to lend money for worthwhile projects to individuals and businesses in Southwest Michigan. This includes residential mortgages, home equity, commercial mortgages and lines of credit to businesses, as well as car loans to individuals. We have not used exotic financial investments which have caused trouble for many large financial institutions over the past couple of years.

Our philosophy is very simple. We use local depositors’ money to lend to local individuals and businesses. Deposits into our bank help our local economy grow. We lend to companies that want to grow and expand in Southwest Michigan. 

Southwest Michigan will get through this current recession in better shape than many parts of our state and country.  As the local economy expands, our bank would like to be a significant part of that growth process. Currently, while our economy may not be expanding, we continue to find many businesses that are doing well and able to weather the current economic downturn and even expand. We are excited to be part of the solution in helping to increase opportunities to grow jobs in our area.

First National Bank of Michigan is looking for substantial growth in both our loan and deposit portfolio during 2009 and 2010. We're off to a good start– and we're establishing an excellent track record, as evidenced by Bauer Financial's recent 5-Star ranking of our bank. We are interested in your business– If I can help with your deposit or borrowing needs, call me at (269) 488-8853.