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Pelican Financial, Inc.
315 East Eisenhower, Ann Arbor, MI 48108 * (800) 765-5562
Business Description The company is a holding company for Pelican National Bank and Washtenaw Mortgage Company. The bank is a full service community bank offering a wide range of deposit and loan product to its customers in Naples, Florida. The mortgage company has been ranked among the top 30 wholesalers of residential mortgage loans nationally since 1997 and is primarily engaged in the origination, acquisition, and servicing of mortgage loans and the sale of those loans and servicing in the secondary market.
Offering
Information

Company has
gone public

Trading As  PFI (AMEX) Industry  Savings Bank (SIC 6035)
Type of Stock Offered  Common Shares Filing Date  4/22/99
Domestic Shares Offered  1,200,000 Offer Date  11/10/99
Foreign Shares Offered  0 Filing Range  $7.00 - $9.00
Company Shares  1,200,000 Offer Price  $7.00
Selling Shrhldrs Shares  0 Gross Spread  $0.700
Gross Proceeds  $8,400,000 Selling  - -
Expenses  - - Reallowance  - -
Post-IPO Shares  - - Employees  - -
Primary
Underwriting
Group
Underwriter NameParticipationUnderwriter Phone
First American Investors Lead Manager  
Income
Statement
and
Cash Flow
Summary
  Prior
Audited
Income
Latest
Unaudited
Income
  Full Year Audited Figures - - Months Ending
Figures in U.S. millions except per share data 1/31/95 1/31/96 1/31/97 12/31/97 12/31/98    
Revenues   14.410 14.258 10.659 11.153 34.696 - -
Income from Oper.   - - - - - - -
Net Income   1.244 0.962 0.529 -0.137 3.887 - -
E.P.S   0.520 0.400 0.220 -0.050 1.280 - -
Revenue Growth (%)      -1.05 -25.24 4.63 211.091   -
Net Income Growth (%)      -22.67 -45.01 - -   -
Oper. Profit Margin (%)    - - - - - - -
Net Profit Margin (%)    8.63 6.75 4.96 - 11.20 - -
Cash Flow - Oper.     -92.65 - -
Cash Flow - Inv.     -19.15 - -
Cash Flow - Fin.     117.60 - -
Balance Sheet
Summary
and
Financial
Ratios
Balance sheet as of: 12/31/98 Financial Ratios
Total Assets    246.41 Current Assets    - Current Ratio    -
Total Liab.    234.01 Current Liab.    35.06 Debt Ratio    94.97%
Total Equity    12.40 Working Cap.    - Debt to Equity Ratio    18.87
Cash    10.18    Return on Assets   1.58%
Use Of
Proceeds
The proceeds from the proposed offering will be used for general corporate purposes.
Legal Counsel
Registrar
Auditor
Issuer's Law Firm  Manatt, Phelps and Phillips
Bank's Law Firm  Schifino & Fleischer
Auditor  Crowe, Chizek and Company
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Last updated: 11/21/99 12:56:22 PM
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