Peer Analysis

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Data for trailing four quarters

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Performance Ratios (%)FBMI Peer
Median 		Peer
Average
ROAA0.73 0.85 1.03 
ROAE7.40 8.39 10.80 
Net Interest Margin3.93 3.57 3.57 
Efficiency Ratio62.48 68.86 71.30 
Loans / Deposits76.48 81.19 84.98 

Asset Quality Ratios (%)   
NPAs / Assets2.46 2.91 3.56 
NCOs / Avg Loans0.70 0.47 0.58 
Reserves / Loans2.16 1.96 2.05 
Reserves / NPAs55.88 46.76 50.76 

Capital Ratios (%)   
Tier 1 Capital15.09 14.05 14.37 
Tangible Equity / Tangible Assets7.64 9.31 10.17 
Total Equity / Total Assets9.86 10.48 10.83 

Market Ratios   
Price / Earnings (x)11.05 12.00 11.77 
Price / Book (%)83.08 89.08 90.19 
Dividend Yield (%)1.75 0.92 1.64 
Firstbank Corporation's peer group consists of the following: Chemical Financial Corporation (CHFC), ChoiceOne Financial Services, Inc. (COFS), Citizens Republic Bancorp, Inc. (CRBC), CNB Corporation (CNBZ), Commercial National Financial Corporation (CEFC), First Federal of Northern Michigan Bancorp, Inc. (FFNM), HCB Financial Corporation (HCBN), Independent Bank Corporation (IBCP), Isabella Bank Corporation (ISBA), Macatawa Bank Corporation (MCBC), Mackinac Financial Corporation (MFNC), Mercantile Bank Corporation (MBWM), Southern Michigan Bancorp, Inc. (SOMC), Sturgis Bancorp, Inc. (STBI), United Bancorp, Inc. (UBMI), Wolverine Bancorp, Inc. (WBKC)

Firstbank Corporation's financial data is as of 3/31/2013.

Peer financial data is as of 3/31/2013  except for these companies:

Citizens Republic Bancorp, Inc.'s financial data is as of 12/31/2012.

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