Bank of Naples in Naples, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Bank of Naples - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    079501Bank Of Naples4099 Tamiami Trail North, Naples, FL 34103May 08, 2000Full Service Brick and Mortar

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