Firstbank Corporation is a bank holding company. It owns all of the outstanding stock of Firstbank (Alma), Firstbank (Mt. Pleasant), Firstbank (West Branch), Firstbank (St. Johns), Keystone Community Bank, Firstbank (West Michigan) and FBMI Risk Management Services, Inc. The Company’s business is concentrated in a single industry segment, commercial banking. Each subsidiary bank is a full-service community bank. Its subsidiary banks offer all customary banking services, including the acceptance of checking, savings, and time deposits and the making of commercial, mortgage (principally single family), home improvement, automobile and other consumer loans. Firstbank (Alma, Firstbank (Mt. Pleasant), Firstbank (West Branch), Firstbank (St. Johns), Keystone Community Bank and Firstbank (West Michigan) are Michigan state chartered bank.