NINTH FEDERAL RESERVE DISTRICT, BANK DIRECTORY, BY STATE DATA FOR DECEMBER 31, 1995 UPPER PENINSULA OF MICHIGAN LOAN PORTFOLIO PERFORMANCE RATIOS (PERCENT) NAME CITY COUNTY TOTAL CAPITAL LOAN CATEGORIES AS A PERCENT OF TOTAL LOANS NET NON-CU CODE ASSETS AS A % OFTOTAL LOANS COMMERCIAL REAL LOANS TO OTHER RETURN ON RETURN ONINTERESTLOANS TO LOANS TO (IN THOUS.)ASSETS (IN THOUS.) & INDUSTRIAL AGRICULTURAL ESTATE INDIVIDUALS LOANS AVE ASSETS EQUITY MARGIN DEPOSITSTOTAL LOA MFC FIRST NB MARQUETTE 103 304,774 10.8 225,331 9.2 0.0 65.6 21.0 4.2 1.2 11.5 5.4 83.7 0.3 FIRST NORTHERN B&TC MANISTIQUE 153 280,463 7.5 219,512 16.8 1.9 50.5 15.3 15.6 1.1 12.3 5.3 89.7 0.7 FIRST NB IRON MOUNTAIN IRON MOUNTAIN 43 140,515 11.7 84,432 25.2 0.6 58.9 13.9 1.4 1.2 10.3 4.8 74.3 0.5 SUPERIOR NB&TC HANCOCK 61 123,088 7.8 83,836 14.7 0.9 69.2 13.5 1.7 1.2 15.7 4.8 74.6 0.3 FMB SAULT BK SAULT SAINTE MARIE 33 118,884 7.9 85,186 7.6 0.1 80.7 7.5 4.1 1.5 17.9 4.7 81.7 0.2 MFC FIRST NB ESCANABA 41 112,083 7.7 80,807 19.9 0.4 53.9 18.0 7.8 1.4 13.7 5.7 81.8 1.1 FIRST NB OF ST IGNACE SAINT IGNACE 97 105,002 10.3 66,810 15.6 0.0 70.7 10.8 2.9 1.5 14.4 5.7 72.5 0.3 CENTRAL SVG BK SAULT SAINTE MARIE 33 95,346 8.3 61,072 26.6 0.2 50.0 20.1 3.1 1.2 14.9 5.4 77.6 1.7 MFC FIRST NB MENOMINEE 109 89,321 7.5 60,118 11.2 1.8 70.0 15.5 1.5 1.4 15.0 4.9 75.3 0.1 NORTHERN MICHIGAN BK ESCANABA 41 88,847 9.0 59,872 16.1 0.0 64.3 16.9 2.7 0.8 8.7 5.7 74.6 0.3 MFC FIRST NB IRONWOOD 53 87,989 8.7 67,114 14.0 0.1 58.2 25.7 2.1 1.3 15.5 5.0 84.8 0.9 STATE BK OF ESCANABA ESCANABA 41 86,837 15.7 37,691 33.0 0.2 52.0 13.1 1.6 2.0 12.7 5.4 52.8 1.2 MFC FIRST NB IRON MOUNTAIN 43 72,317 9.1 43,867 9.7 0.0 68.0 21.5 0.8 0.9 12.4 5.4 66.4 0.1 MFC FIRST NB HOUGHTON 61 70,202 9.8 41,981 18.4 0.1 59.8 19.3 2.4 0.5 7.5 4.5 65.1 0.8 FIRST NB OF NEGAUNEE NEGAUNEE 103 66,082 16.3 34,248 27.8 0.0 62.0 9.1 1.1 1.7 10.9 5.6 62.8 1.4 FIRST BK UPPER MICHIGAN GLADSTONE 41 63,221 9.4 50,980 21.2 0.3 53.7 24.1 0.8 1.8 19.8 6.3 95.7 1.6 MFC FIRST NB IRON RIVER 71 58,453 10.8 41,676 17.4 0.2 60.7 18.2 3.5 1.2 14.3 5.2 79.0 0.8 FIRST NB OF CRYSTAL FALLS CRYSTAL FALLS 71 58,445 12.6 31,698 12.9 1.1 65.9 15.0 5.0 1.5 12.0 4.5 62.3 1.0 PENINSULA BK OF ISHPEMING ISHPEMING 103 56,084 11.8 41,122 11.3 0.9 60.9 26.3 0.6 1.2 10.1 5.0 85.2 1.1 STATE SVG BK OF MANISTIQUE MANISTIQUE 153 52,134 10.8 18,922 9.0 0.9 69.0 19.2 1.8 0.9 8.2 4.0 45.5 1.3 COMMERCIAL NB OF L'ANSE L'ANSE 13 48,742 8.7 22,114 16.0 1.4 62.8 16.3 3.5 0.6 6.0 4.5 51.0 0.7 FIRST NB OF NORWAY NORWAY 43 46,562 11.8 29,192 23.4 3.8 64.6 7.8 0.4 1.1 9.3 4.4 71.5 3.2 BAYBANK GLADSTONE 41 45,045 9.2 29,335 12.8 0.1 69.6 17.5 0.0 1.0 11.2 5.0 72.8 0.0 PEOPLES ST BK OF MUNISING MUNISING 3 44,580 9.0 33,690 30.6 0.0 51.8 16.8 0.8 1.2 13.6 5.2 83.8 1.2 CITIZENS ST BK OF ONTONAGON ONTONAGON 131 37,176 13.4 20,258 10.2 1.1 57.1 26.8 4.8 1.2 9.1 5.3 64.3 1.2 UNIVERSITY BK SAULT STE MARIE 33 37,176 13.7 17,203 19.3 0.6 76.7 1.5 2.0 0.6 4.2 1.8 78.6 4.2 SOUTH RANGE ST BK SOUTH RANGE 61 35,547 6.8 27,021 20.6 5.6 55.2 16.2 2.4 0.8 11.1 5.5 82.6 0.3 FIRST NB CALUMET-LAKE LINDEN CALUMET 61 34,676 9.9 10,098 9.7 0.1 77.1 9.8 3.2 1.4 14.2 4.3 32.3 0.8 MINERS ST BK OF IRON RIVER IRON RIVER 71 31,640 9.8 20,916 13.3 0.0 77.6 8.8 0.3 1.3 14.5 4.9 74.0 2.5 STATE BK OF EWEN EWEN 131 30,295 17.3 18,173 10.2 1.5 58.4 29.1 0.8 1.4 8.2 5.3 73.1 0.6 FIRST NB IN ONTONAGON ONTONAGON 131 26,847 7.9 18,603 24.8 0.9 60.2 10.3 3.7 1.0 13.9 5.2 75.8 0.2 FIRST NB OF WAKEFIELD WAKEFIELD 53 26,243 10.0 16,542 24.7 0.4 55.4 16.8 2.7 1.3 12.6 5.6 70.6 0.0 Totals/Averages 2,574,616 10.3 1,699,420 17.3 0.8 62.8 16.3 2.8 1.2 12.0 5.0 72.4 1.0