FDIC Certificate #: 35396 Status: Active Federal Reserve ID: 2910121 Bank Holding Company (Regulatory Top Holder): Naples Bancorp, Inc. (RSSDID: 3238596, Location: Naples, FL) Date Established: May 08, 2000 WWW:http://www.bankofnaples.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 79501 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: May 08, 2000 Last Structure Change Effective Date: August 09, 2007 Last Structure Change Process Date: August 09, 2007 Last Data Update: August 09, 2007 Data Source Date: April 05, 2012
Location
Address: 4099 Tamiami Trail North, Naples, FL 34103 County: Collier Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: South Florida Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Southeast Metropolitan Statistical Area (MSA): Naples, FL (#5345) Core Based Statistical Area (CBSA): Naples-Marco Island, FL (#34940) CBSA Metro Statistical Area: Naples-Marco Island, FL (#34940)
History of Changes
Change in Location
Financial Summary
Total assets: $154.2 mil Equity capital: $3.8 mil Deposits held in domestic offices: $134.6 mil Return on assets (ROA): -3.35% (-$5.2 mil) Quarterly return on assets: -0.70% (-$1.1 mil) Return on Equity (ROE): -93.00% (-$3.7 mil) Quarterly return on equity: -27.00% (-$1.1 mil) Net income: -$5.6 mil Quarterly Net income: -$0.3 mil Pretax return on assets: -3.35% (-$5,165.4 mil) Quarterly Pretax return on assets: -0.70% (-$1,079.3 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
22Total employees (full-time equivalent)
$154,190Total assets
$51,188Cash and due from depository institutions
$49,888Interest-bearing balances
$10,218Securities
$0Federal funds sold & reverse repurchase agreements
$88,464Net loans & leases
$8,246Loan loss allowance
$0Trading account assets
$341Bank premises and fixed assets
$2,372Other real estate owned
$0Goodwill and other intangibles
$154,190Life insurance assets
$1,607All other assets
$150,343Total liabilities and capital
$134,648Total liabilities
$122,566Total deposits
$134,648Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$15,000Trading liabilities
$0Other borrowed funds
$695Subordinated debt
$3,847All other liabilities
$3,847Total equity capital
$3,847Total bank equity capital
$0Perpetual preferred stock
$3,224Common stock
$31,912Surplus
$-31,289Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$14,063Income earned, not collected on loans
$0Earning assets
$410Long-term assets (5+ years)
$148,570Average Assets, year-to-date
$14,475Average Assets, quarterly
$166,775Volatile liabilities
$153,577Insider loans
$82,220FHLB advances
$153,766Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,721Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,955Restructured Loans and leases
$322Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$6,009Total interest income
$1,642Total interest expense
$4,367Net interest income
$1,440Provision for loan and lease losses
-$432Total noninterest income
$0Fiduciary activities
$115Service charges on deposit accounts
$0Trading account gains & fees
-$547Additional noninterest income
$8,263Total noninterest expense
$1,918Salaries and employee benefits
$631Premises and equipment expense
$5,714Additional noninterest expense
-$5,768Pre-tax net operating income
$183Securities gains (losses)
$0Applicable income taxes
-$5,585Income before extraordinary items
$0Extraordinary gains - net
-$5,585Net income attributable to bank
$0Net charge-offs
-$5,585Cash dividends
$6,267Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.76%Yield on earning assets
1.03%Cost of funding earning assets
2.73%Net interest margin
-0.27%Noninterest income to earning assets
5.17%Noninterest expense to earning assets
-3.46%Net operating income to assets
-3.35%Return on assets (ROA)
-3.35%Pretax return on assets
-93.00%Return on equity (ROE)
-93.00%Retained earnings to average equity (YTD only)
5.69%Net charge-offs to loans
22.98%Credit loss provision to net charge-offs
-0.69%Efficiency ratio
209,987Assets per employee
7.01%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
8.53%Loss allowance to noncurrent loans
58.64%Noncurrent assets plus other real estate owned to assets
10.66%Noncurrent loans to loans
14.54%Net loans and leases to deposits
65.70%Net loans and leases to core deposits
71.71%Equity capital to assets
2.49%Core capital (leverage) ratio
2.42%Tier 1 risk-based capital ratio
4.53%Total risk-based capital ratio
Memoranda
$6Average assets
$166,775Average earning assets
$6,005Average equity
$159,795Average loans
List of branches
1 Florida Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
79501
Bank Of Naples
4099 Tamiami Trail North, Naples, FL 34103
May 08, 2000
Full Service Brick and Mortar
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