Eastern Michigan Financial (Eastern Michigan Financial) Gross-Profit-to-Asset % : 4.35% (As of Dec. 2006)

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What is Eastern Michigan Financial Gross-Profit-to-Asset %?

Gross-Profit-to-Asset % is calculated as Gross Profit divided by its average Total Assets over a certain period of time. Eastern Michigan Financial's annualized Gross Profit for the quarter that ended in Dec. 2006 was $10.10 Mil. Eastern Michigan Financial's average Total Assets over the quarter that ended in Dec. 2006 was $232.49 Mil. Therefore, Eastern Michigan Financial's annualized Gross-Profit-to-Asset % for the quarter that ended in Dec. 2006 was 4.35%.

Eastern Michigan Financial Gross-Profit-to-Asset % Historical Data

The historical data trend for Eastern Michigan Financial's Gross-Profit-to-Asset % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Eastern Michigan Financial Gross-Profit-to-Asset % Chart

Eastern Michigan Financial Annual Data

Trend

Dec02

Dec03

Dec04

Dec05

Dec06

Gross-Profit-to-Asset %

4.24

4.44

4.20

4.29

4.35

Eastern Michigan Financial Semi-Annual Data
	Dec02	Dec03	Dec04	Dec05	Dec06
Gross-Profit-to-Asset %	4.24	4.44	4.20	4.29	4.35

Competitive Comparison of Eastern Michigan Financial's Gross-Profit-to-Asset %

For the Banks - Regional subindustry, Eastern Michigan Financial's Gross-Profit-to-Asset %, along with its competitors' market caps and Gross-Profit-to-Asset % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Eastern Michigan Financial's Gross-Profit-to-Asset % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Eastern Michigan Financial's Gross-Profit-to-Asset % distribution charts can be found below:

* The bar in red indicates where Eastern Michigan Financial's Gross-Profit-to-Asset % falls into.

Eastern Michigan Financial Gross-Profit-to-Asset % Calculation

Eastern Michigan Financial's annualized Gross-Profit-to-Asset % for the fiscal year that ended in Dec. 2006 is calculated as:

Gross-Profit-to-Asset %	=	Gross Profit (A: Dec. 2006 )	/	( (Total Assets (A: Dec. 2005 )	+	Total Assets (A: Dec. 2006 ))	/ count )
	=	10.104	/	( (231.589	+	233.383)	/ 2 )
	=	10.104	/	232.486
	=	4.35 %

Eastern Michigan Financial's annualized Gross-Profit-to-Asset % for the quarter that ended in Dec. 2006 is calculated as:

Gross-Profit-to-Asset %	=	Gross Profit (Q: Dec. 2006 )	/	( (Total Assets (Q: Dec. 2005 )	+	Total Assets (Q: Dec. 2006 ))	/ count )
	=	10.104	/	( (231.589	+	233.383)	/ 2 )
	=	10.104	/	232.486
	=	4.35 %

In the calculation of annual Gross-Profit-to-Asset %, the Gross Profit of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data, the Gross Profit data used here is one times the annual (Dec. 2006) data. Gross-Profit-to-Asset % is displayed in the 30-year financial page.

Eastern Michigan Financial Gross-Profit-to-Asset % Related Terms

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Eastern Michigan Financial (Eastern Michigan Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Eastern Michigan Financial Corp (OTCPK:EFIN) » Definitions » Gross-Profit-to-Asset %

Comparable Companies

Traded in Other Exchanges

N/A

Address

65 North Howard Avenue, Croswell, MI, USA, 48422

Website

https://www.emb.bank

Eastern Michigan Financial Corp is a bank holding company. The Company through its holding provides baking products and services including personal banking, business banking and lending including diversified loans. Personal banking includes debit and credit cards, mobile banking and deposit services where Business banking includes cash management and other business-related services. The portfolio segments include commercial and industrial, agricultural, real estate related industries, other commercial loans, residential real estate, consumer and other, and home equity.

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