First Federal Of Northern Michigan Bancorp, Inc. (FFNM) Income Statement

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Interest and fees on loans	2.06M
Taxable	317K
Tax-exempt	28K
Interest on mortgage-backed securities	259K
Total interest income	2.66M
Interest on deposits	234K
Interest on borrowings	83K
Total interest expense	317K
Net interest income	2.34M
Provision for loan loss
Net interest income after provision for loan losses	2.35M
Service charges and other fees	242K
Mortgage banking activities	128K
Gain on sale of investments
Net gain (loss) on sale of premises and equipment, real estate owned and other repossessed assets	-8K
Other	104K
Total non-interest income	468K
Compensation and employee benefits	1.35M
FDIC Insurance Premiums	62K
Advertising	43K
Occupancy	286K
Amortization of intangible assets	61K
Service bureau charges	114K
Professional services	141K
Other	250K
Total non-interest expense	2.58M
Income before income tax benefit	237K
Income tax benefit	-1.65M
Net Income	1.89M
Basic	0.51
Diluted	0.51
Basic and diluted
Dividends per common share	0.03

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