FNBH Bancorp, Inc. (FNBH) is a bank holding company, which wholly owns First National Bank in Howell (the Bank). The Bank is a full-service bank offering a range of commercial and personal banking services. These services include checking accounts, savings accounts, certificates of deposit, commercial loans, real estate loans, installment loans, collections, night depository, safe deposit box, and trust services. It serves primarily five communities, Howell, Brighton, Green Oak Township, Hartland, and Fowlerville-all of which are located in Livingston County, Michigan. The Bank provides loans secured by real estate, consumer and commercial loans to customers in its market. As of December 31, 2012, 88% of outstanding loans were secured by real estate of which 81% were secured by nonfarm nonresidential properties, construction and land development loans.