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Profile - Commercial Natl.Fin'l/MI/ (OTC BB:CEFC.OB)
As of 31-Aug-2001
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Upcoming Events
Oct  1Dividend payment of $0.14
Location
101 North Pine River Street
Ithaca, MI 48847
Phone: (517) 875-4144
Fax: (517) 875-4534
Employees (last reported count): 71
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Related Links
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Ownership
·Insider and 5%+ Owners: 23%
·Over the last 6 months:
 · 5 insider buys; 6,000  shares (0.8% of insider shares)
·Institutional: 4% (5% of float)
(2 institutions)
·Net Inst. Buying: 5,000  shares (+3.56%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Commercial National Financial Corporation, a financial company incorporated on December 30, 1987, owns all of the stock of Commercial Bank (the Bank). The Bank provides a full range of banking services to individuals, agricultural businesses, commercial businesses and light industries located in its service area. The Bank maintains a diversified loan portfolio, including loans to individuals for home mortgages, automobiles and personal expenditures and loans to business enterprises for operations and expansion. The Bank offers a variety of deposit vehicles, including checking, savings, money market and individual retirement accounts and certificates of deposit.
More from Market Guide: Expanded Business Description

Financial Summary
CEFC is a bank holding company for Commercial National Bank, a state chartered bank with seven offices in Michigan. For the six months ended 6/30/01, total interest income rose 8% to $8.3 million. Net interest income after loan loss prov. rose 1% to $4.3 million. Net income rose 9% to $1.6 million. Net interest income reflects increased earning assets, partially offset by lower net interest margin. Higher income reflects a $157 thousand gain on the sale of securities.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Compensation
PayExer

Howard Poindexter, 65
Chairman
--  --  
Jeffrey Barker, 52
Pres, CEO
$194K--  
Patrick Duffy, 37
Exec. VP, Chief Financial
137K--  
Andrew Shafley
Sr. VP- Sr. Loan Officer
121K$8.6K
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc.; "Exer" is the value of options excercised during the fiscal year.
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- OTC BB:CEFC.OBAs of 31-Aug-2001
Price and Volume
52-Week Low
on 19-Apr-2001
$8.00 
Recent Price$9.50 
52-Week High
on 27-Oct-2000
$13.75 
Beta0.04 
Daily Volume (3-month avg)91 
Daily Volume (10-day avg)0 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change-18.6%
52-Week Change
relative to S&P500
+9.2%
Share-Related Items
Market Capitalization$32.0M
Shares Outstanding3.37M
Float2.60M
Dividends & Splits
Annual Dividend (indicated)$0.56 
Dividend Yield5.89%
Last Split: 21 for 20 on 26-Oct-2000
Per-Share Data
Book Value (mrq)$6.31 
Earnings (ttm)$0.91 
Earnings (mrq)$0.24 
Sales (ttm)$5.05 
Cash (mrq)$4.39 
Valuation Ratios
Price/Book (mrq)1.51 
Price/Earnings (ttm)10.49 
Price/Sales (ttm)1.88 
Income Statements
Sales (ttm)$16.9M
EBITDAN/A 
Income available to common (ttm)$3.03M
Profitability
Profit Margin (ttm)17.9%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)1.43%
Return on Equity (ttm)15.04%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$14.7M
Short Interest
Shares ShortN/A 
See Profile Help for a description of each item above;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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