FDIC Certificate #: 34844 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Ameris Bank (#20504) Federal Reserve ID: 2859118 Date Established: November 22, 1999 WWW:http://www.fnbfla.net Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 3 (Interstate: No) FDIC's unique #: 61800 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: November 22, 1999 Last Structure Change Effective Date: March 04, 2006 Last Structure Change Process Date: March 29, 2006 Last Data Update: March 29, 2006 Data Source Date: April 05, 2012
Location
Address: 1775 Eagle Harbor Parkway, Orange Park, FL 32073 County: Clay Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: Gainesville Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Southeast Metropolitan Statistical Area (MSA): Jacksonville, FL (#3600) Core Based Statistical Area (CBSA): Jacksonville, FL (#27260) CBSA Metro Statistical Area: Jacksonville, FL (#27260)
Financial Summary
Total assets: $118.0 mil
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2005)
Dollar figures in thousands
24Total employees (full-time equivalent)
$118,008Total assets
$3,824Cash and due from depository institutions
$556Interest-bearing balances
$2,029Securities
$7,489Federal funds sold & reverse repurchase agreements
$85,912Net loans & leases
$1,416Loan loss allowance
$0Trading account assets
$5,259Bank premises and fixed assets
$0Other real estate owned
$12,070Goodwill and other intangibles
$0Life insurance assets
$1,425All other assets
$118,008Total liabilities and capital
$97,929Total liabilities
$95,791Total deposits
$81,546Interest-bearing deposits
$95,791Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$2,138All other liabilities
$20,079Total equity capital
$20,079Total bank equity capital
$20,079Perpetual preferred stock
$0Common stock
$3,000Surplus
$16,994Undivided profits
Memoranda
$85Noncurrent loans and leases
$16,144Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$2,584Earning assets
$0Long-term assets (5+ years)
$395Average Assets, year-to-date
$95,986Average Assets, quarterly
$2,786Volatile liabilities
$101,428Insider loans
$109,979FHLB advances
$39,207Loans and leases held for sale
$5,508Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$16,144Total unused commitments
$1,350Restructured Loans and leases
$1,167Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$264Total interest income
$93Total interest expense
$171Net interest income
$0Provision for loan and lease losses
$18Total noninterest income
$0Fiduciary activities
$17Service charges on deposit accounts
$0Trading account gains & fees
$1Additional noninterest income
$32Total noninterest expense
$13Salaries and employee benefits
$6Premises and equipment expense
$13Additional noninterest expense
$157Pre-tax net operating income
-$13Securities gains (losses)
$56Applicable income taxes
$88Income before extraordinary items
$0Extraordinary gains - net
$88Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$729Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
0.30%Yield on earning assets
0.11%Cost of funding earning assets
0.19%Net interest margin
0.02%Noninterest income to earning assets
0.04%Noninterest expense to earning assets
0.09%Net operating income to assets
0.09%Return on assets (ROA)
0.14%Pretax return on assets
0.69%Return on equity (ROE)
0.69%Retained earnings to average equity (YTD only)
0.89%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.22%Efficiency ratio
16,931Assets per employee
4.92%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.62%Loss allowance to noncurrent loans
54.80%Noncurrent assets plus other real estate owned to assets
2.19%Noncurrent loans to loans
2.96%Net loans and leases to deposits
89.69%Net loans and leases to core deposits
151.83%Equity capital to assets
17.01%Core capital (leverage) ratio
151.10%Tier 1 risk-based capital ratio
10.02%Total risk-based capital ratio
Memoranda
$11Average assets
$101,428Average earning assets
$12,773Average equity
$87,809Average loans
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