First National Bank of Crestview in city_name, state_name - Detailed Financial Reports, Location

First National Bank of Crestview in Crestview, Florida (FL)
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First National Bank of Crestview routing number info

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First National Bank of Crestview - Overview

General
FDIC Certificate #: 17557
Status: Active
Federal Reserve ID: 997333
Bank Holding Company (Regulatory Top Holder): Fnbc Financial Corporation (RSSDID: 3473306, Location: Crestview, FL)
Date Established: Febuary 08, 1956
WWW: http://www.fnbcrestview.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 15687
FDIC's unique #: 11531
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: Febuary 08, 1956
Last Structure Change Effective Date: September 25, 2006
Last Structure Change Process Date: Febuary 21, 2007
Last Data Update: Febuary 21, 2007
Data Source Date: April 05, 2012
Location
Address: 1301 Industrial Drive North, Crestview, FL 32539
County: Okaloosa
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Pensacola
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Fort Walton Beach, FL (#2750)
Core Based Statistical Area (CBSA): Crestview-Fort Walton Beach-Destin, FL (#18880)
CBSA Metro Statistical Area: Crestview-Fort Walton Beach-Destin, FL (#18880)
History of Changes
Change in Location
Financial Summary
Total assets: $107.9 mil
Equity capital: $8.3 mil
Deposits held in domestic offices: $98.6 mil
Return on assets (ROA): -1.04% (-$1.1 mil)
Quarterly return on assets: -2.38% (-$2.6 mil)
Return on Equity (ROE): -14.68% (-$1.2 mil)
Quarterly return on equity: -30.07% (-$2.4 mil)
Net income: -$1.2 mil
Quarterly Net income: -$0.7 mil
Pretax return on assets: 0.09% ($97.1 mil)
Quarterly Pretax return on assets: -2.38% (-$2,569.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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
29Total employees (full-time equivalent)
$107,943Total assets
$8,145Cash and due from depository institutions
$5,616Interest-bearing balances
$30,736Securities
$0Federal funds sold & reverse repurchase agreements
$43,927Net loans & leases
$2,971Loan loss allowance
$0Trading account assets
$5,582Bank premises and fixed assets
$17,655Other real estate owned
$0Goodwill and other intangibles
$107,943Life insurance assets
$1,898All other assets
$99,689Total liabilities and capital
$98,556Total liabilities
$75,268Total deposits
$98,556Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,133Subordinated debt
$8,254All other liabilities
$8,254Total equity capital
$8,254Total bank equity capital
$0Perpetual preferred stock
$240Common stock
$2,639Surplus
$5,375Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$6,925Income earned, not collected on loans
$0Earning assets
$426Long-term assets (5+ years)
$80,279Average Assets, year-to-date
$25,471Average Assets, quarterly
$117,078Volatile liabilities
$109,468Insider loans
$75,265FHLB advances
$109,406Loans and leases held for sale
$133Unused loan commitments
$133Tier 1 (core) risk-based capital
$7,572Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,091Restructured Loans and leases
$407Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,471Total interest income
$807Total interest expense
$2,664Net interest income
$550Provision for loan and lease losses
$3,863Total noninterest income
$0Fiduciary activities
$190Service charges on deposit accounts
$0Trading account gains & fees
$3,673Additional noninterest income
$5,937Total noninterest expense
$1,428Salaries and employee benefits
$630Premises and equipment expense
$3,879Additional noninterest expense
$40Pre-tax net operating income
$61Securities gains (losses)
$1,322Applicable income taxes
-$1,221Income before extraordinary items
$0Extraordinary gains - net
-$1,221Net income attributable to bank
$0Net charge-offs
-$1,221Cash dividends
$2,952Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.67%Yield on earning assets
0.85%Cost of funding earning assets
2.82%Net interest margin
4.08%Noninterest income to earning assets
6.27%Noninterest expense to earning assets
-1.08%Net operating income to assets
-1.04%Return on assets (ROA)
0.09%Pretax return on assets
-14.68%Return on equity (ROE)
-14.68%Retained earnings to average equity (YTD only)
5.20%Net charge-offs to loans
18.63%Credit loss provision to net charge-offs
0.20%Efficiency ratio
90,961Assets per employee
3.72%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
6.34%Loss allowance to noncurrent loans
42.90%Noncurrent assets plus other real estate owned to assets
22.77%Noncurrent loans to loans
14.77%Net loans and leases to deposits
44.57%Net loans and leases to core deposits
46.37%Equity capital to assets
7.65%Core capital (leverage) ratio
6.92%Tier 1 risk-based capital ratio
10.06%Total risk-based capital ratio
Memoranda
$11Average assets
$117,078Average earning assets
$8,315Average equity
$94,627Average loans

List of branches

3 Florida Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	11531	First National Bank Of Crestview	1301 Industrial Drive North, Crestview, FL 32539	Febuary 08, 1956	Full Service Brick and Mortar
1	242110	Crestview South Branch	2515 South Highway 85, Crestview, FL 32536	May 04, 1987	Full Service Brick and Mortar
3	458767	Downtown Branch	302 North Wilson Street, Crestview, FL 32536	September 25, 2006	Full Service Brick and Mortar

First National Bank of Crestview in Crestview, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of Crestview - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First National Bank of Crestview in Crestview, Florida (FL)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of Crestview - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First National Bank of Crestview in Crestview, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches