SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of
The Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): February 20, 2006
First Federal of Northern Michigan Bancorp, Inc.
(Exact name of registrant as specified in its charter)
Maryland 0-31957 32-0135202
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(State or other jurisdiction (Commission File No.) (IRS Employer
of incorporation) Identification No.)
100 S. Second Ave., Alpena, Michigan 49707
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (989) 356-9041
Not Applicable
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(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):
[ ] Written communications pursuant to Rule 425 under the Securities Act
(17 CFR 230.425)
[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
(17 CFR 240.14a-12)
[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
Exchange Act (17 CFR 240.14d-2(b))
[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
Exchange Act (17 CFR 240.13e-4(c))
Item 2.02. Results of Operations and Financial Condition.
On February 20, 2006, First Federal of Northern Michigan Bancorp, Inc.
reported earnings for the quarter and year ended December 31, 2005. A press
release dated February 20, 2006, giving details associated with the company's
earnings is attached as Exhibit 99.1 to this report. The information included in
Exhibit 99.1 is considered to be "furnished" under the Securities Exchange Act
of 1934.
Item 9.01. Financial Statements and Exhibits.
(a) Financial Statements of Businesses Acquired. Not Applicable.
(b) Pro Forma Financial Information. Not Applicable.
(c) Shell Company Transactions. Not Applicable.
(d) Exhibits.
Exhibit No. Description
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99.1 Press release dated February 20, 2006
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned, hereunto duly authorized.
FIRST FEDERAL OF NORTHERN MICHIGAN
BANCORP, INC.
DATE: February 21, 2006 By: /s/ Michael W. Mahler
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Michael W. Mahler
President and Chief Operating Officer
EXHIBIT 99.1
PRESS RELEASE