Firstbank 10K 2005 Annual report | FBMI Filing

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability	7th grade Avg

New words: bankruptcy, carefully, commonly, damage, deficiency, disbursement, discourage, divorce, efficiency, encounter, fit, float, fluctuate, fluctuated, Gardner, heavily, Hereincorporated, holder, hostile, inaccurate, insolvency, interference, inventory, Jeff, job, Kalamazoo, KCB, labor, man, nonpayment, overstated, Portage, presence, profitability, profitably, prohibit, prohibited, rapid, repossessed, respond, Rice, Schlueter, shell, Southwest, stability, strategic, supervisory, sustain, takeover, ultimate, undergo, undergoing, unpredictable, unresolved, unsecured, warrant, wrong

Removed: accept, acceptable, accompanying, accrual, accumulated, achieve, achieved, achieving, addressed, adjusted, adjusting, adjustment, Advertising, affiliate, Agent, aggregated, Alger, alternative, amortization, amortized, Anderson, Ann, announced, applying, approximating, Arlene, arrangement, assigned, assist, assume, assured, authorizing, automotive, Ave, aware, back, Baird, Balancing, Bamfield, Barratt, bear, bearing, Benson, Bernard, Berry, Beverage, bid, Bishop, Blanchard, blanket, Blystone, borrowing, Bovee, bringing, brokered, brought, Bruyette, Bryon, Buchanan, call, Camila, captioned, carried, carry, CCIM, Center, certify, certifying, Chairman, challenge, Chicago, chosen, Christine, Clark, classification, collateralized, collectible, collectively, College, commitment, comparable, Comparison, component, compound, comprised, computer, computing, confirmed, conform, conformity, considerably, consideration, contact, contingent, continual, contractual, contractually, Conversely, core, correct, corrective, courier, CPA, Craig, criteria, critical, critically, cumulative, cumulatively, Dain, Daniel, Danny, dealer, Dean, decision, declined, declining, decrease, decreased, decreasing, deed, defer, deferral, DeGroat, delivery, design, desirable, determination, deterrent, diluted, dilutive, discontinued, discount, discounted, discretion, discussed, diversified, Donald, doubtful, Dr, drawn, driven, earlier, earned, earning, economical, Ehinger, Eileen, elimination, enacted, encouragement, enhancement, equal, ESOP, estimated, evaluated, evidence, examination, examining, exceeded, exempt, exercise, exercised, exert, exist, expansion, expedient, expensed, expiration, expire, exposure, extend, fact, fair, fairly, farm, FASB, FBMI, FHLB, financing, fixed, Flermoen, Floria, foreclosure, foreseeable, forma, formed, fourth, Fractional, frame, fraud, frequently, funded, funding, Funeral, Furniture, gain, Gallagher, gap, Garfield, generate, Gerald, Glen, goal, goodwill, governed, granted, Greenville, Gregory, Grenier, Griffin, grouping, hand, Harry, Heritage, high, historical, honor, Houghton, identifiable, identified, impairment, improved, inception, individually, infrequent, initial, initially, initiate, installment, intangible, intent, interval, intrinsic, invested, involved, issue, Jack, Jackson, Jay, Jeffrey, Joan, John, Joseph, Juarez, Keefe, Kench, Kenneth, Kim, Knight, largely, Larry, length, lien, light, Lincoln, line, List, locate, long, longer, Lowe, lower, lowering, Lux, maintenance, manufacturing, Marie, Marita, Martha, matching, mature, maturing, maximized, McClintic, McEwan, McGregor, MD, measure, measured, merged, merit, met, method, Michael, Midland, million, misleading, Mission, misstatement, mitigated, model, Monday, monitor, month, moved, narrative, necessarily, Nielsen, nominee, nonvoting, Norman, Northern, obtain, obtained, occupancy, occurred, offset, omit, ongoing, operation, opportunity, opposed, originated, Ouellette, overdraft, overnight, Owner, pace, partially, participant, participated, participating, Partner, passage, payable, payoff, penalty, peninsula, people, percentage, perform, performing, permitted, Perry, person, Phillip, Pickard, pledged, portion, positioned, positive, posted, practical, practice, predictable, preparation, prepared, prepay, prepayment, presentation, pricing, prime, pro, problem, proceeding, processing, professional, promotion, prompt, proportion, proposed, protection, prudent, purpose, qualifying, quoted, Rademacher, Rader, Ralph, ranging, rated, Rauscher, Raymond, RBC, realized, received, recent, recently, reclassified, recognition, recognized, recommendation, reconciliation, record, recreational, refer, referred, refinance, refinanced, refinancing, reflect, reflected, regular, Rent, rental, replace, replaced, reportable, represent, represented, repurchased, requirement, residential, response, restated, restoration, restrictive, resulted, retail, retroactive, return, returned, revolving, Robert, role, RSI, run, safekeeping, salary, Saundra, scale, schedule, Schneider, Schubert, secondary, secure, selected, serviced, servicing, Seybert, share, shortfall, show, showed, showing, Sibyl, simulation, Sirrine, slightly, smaller, Someplace, sophisticated, specialist, split, Sporting, staffing, standard, standby, static, statutory, steady, Steckling, Sterling, Steve, Stifel, straight, strong, substandard, summarize, summary, supporting, susceptible, symbol, tangible, Tank, task, Taylor, terminate, test, thereof, tied, Tier, Timothy, Tracy, traded, Trailer, transaction, transferring, treated, Trident, twelve, unable, unacceptable, unamortized, unchanged, uncollectibility, uncollectible, undercapitalized, unpaid, unrealized, untrue, valuation, variable, vary, varying, vesting, Victor, volatility, vonKronenberger, vulnerability, vulnerable, Wait, watch, Weber, weighting, Welke, Wheatland, wide, withdraw, work, Wright, Yost

FUND	VALUE AS OF 12/31/2001		VALUE AS OF 12/31/2002		VALUE AS OF 12/31/2003		VALUE AS OF 12/31/2004		VALUE AS OF 12/31/2005

ABN AMRO Income Plus Fund		N/A - Fund		5.20%		4.38%		3.93%		3.87%
		inception date	$	1,052.00	$	1,098.08	$	1,141.23	$	1,185.40
		1/1/2002

PIMCO Total Return (A)		8.99%		9.68%		5.08%		4.60%		2.42
	$	1,089.90	$	1,195.40	$	1,256.13	$	1,313.91	$	1,345.71

ABN AMRO/Chicago Capital		-6.14%		-10.04%		15.78%		5.12%		1.62%
Balanced Fund	$	938.60	$	844.36	$	977.61	$	1,027.66	$	1,044.31

ABN AMRO S&P 500 Index Fund		N/A - Fund		-22.10%		28.33%		10.63%		4.63%
		inception date	$	779.00	$	999.69	$	1,105.96	$	1,157.16
		1/1/2002

Washington Mutual Investors Fund		1.51%		-14.85%		25.83%		9.96%		3.51%
	$	1,015.10	$	864.36	$	1,087.62	$	1,195.96	$	1,237.95

SSR Aurora Fund (A)		15.83%		-19.79%		49.73%		14.95%		2.89%
	$	1,158.30	$	929.07	$	1,391.10	$	1,599.07	$	1,645.28

ABN AMRO Chicago Capital		-13.13%		-19.37%		21.58%		5.50%		1.03%
Growth Fund	$	868.70	$	700.43	$	851.59	$	898.42	$	907.68

ABN AMRO/Veredus Aggressive		-13.16%		-43.91%		44.48%		20.69%		2.29%
Growth Fund	$	868.40	$	487.09	$	703.74	$	849.35	$	868.80

First Eagle Overseas Fund		5.35%		12.53%		41.41%		21.83%		16.92%
	$	1,053.50	$	1,185.50	$	1,676.42	$	2,042.38	$	2,387.95

Firstbank Stock Fund		9.20%		42.08%		33.67%		0.39%		-12.90%
	$	1,092.00	$	1,551.51	$	2,073.91	$	2,082.00	$	1,813.42

Firstbank (FBMI) Inactive 10-K2005 FY Annual report

Content analysis