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

This bank is inactive as of April 12, 2008

  • Community Bank of Naples, National Association in Naples, Florida (FL)
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Community Bank of Naples, National Association - Overview

  • General
  • FDIC Certificate #: 35088
    Status: Inactive
    Closing history: Absorption - Without Assistance
    Acquiring institution: RBC Bank (USA) (#33184)
    Federal Reserve ID: 2746348
    Date Established: December 31, 1998
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Interstate: No)
    FDIC's unique #: 74666
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: December 31, 1998
    Last Structure Change Effective Date: April 12, 2008
    Last Structure Change Process Date: May 28, 2008
    Last Data Update: May 28, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 5150 North Tamiami Trail, 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)
  • Financial Summary
  • Total assets: $406.4 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, 2007)

  • Dollar figures in thousands
  • 71Total employees (full-time equivalent)
  • $406,076Total assets
  • $6,626Cash and due from depository institutions
  • $487Interest-bearing balances
  • $37,865Securities
  • $521Federal funds sold & reverse repurchase agreements
  • $337,156Net loans & leases
  • $4,923Loan loss allowance
  • $0Trading account assets
  • $12,147Bank premises and fixed assets
  • $2,683Other real estate owned
  • $0Goodwill and other intangibles
  • $2,473Life insurance assets
  • $9,078All other assets
  • $406,076Total liabilities and capital
  • $370,952Total liabilities
  • $297,652Total deposits
  • $260,521Interest-bearing deposits
  • $297,652Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $24,726Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $47,000Other borrowed funds
  • $0Subordinated debt
  • $1,574All other liabilities
  • $35,124Total equity capital
  • $35,124Total bank equity capital
  • $35,124Perpetual preferred stock
  • $0Common stock
  • $2,500Surplus
  • $7,658Undivided profits
  • Memoranda
  • $24,966Noncurrent loans and leases
  • $55,570Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $4,444Earning assets
  • $0Long-term assets (5+ years)
  • $1,761Average Assets, year-to-date
  • $376,029Average Assets, quarterly
  • $44,667Volatile liabilities
  • $421,018Insider loans
  • $408,624FHLB advances
  • $131,298Loans and leases held for sale
  • $5,766Unused loan commitments
  • $47,000Tier 1 (core) risk-based capital
  • $368Tier 2 risk-based capital
  • $254Total risk weighted assets
  • $55,570Total unused commitments
  • $0Restructured Loans and leases
  • $4,203Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $29,257Total interest income
  • $14,896Total interest expense
  • $14,361Net interest income
  • $3,305Provision for loan and lease losses
  • $1,527Total noninterest income
  • $0Fiduciary activities
  • $779Service charges on deposit accounts
  • $0Trading account gains & fees
  • $748Additional noninterest income
  • $7,655Total noninterest expense
  • $4,545Salaries and employee benefits
  • $1,414Premises and equipment expense
  • $1,696Additional noninterest expense
  • $4,928Pre-tax net operating income
  • $37Securities gains (losses)
  • $1,804Applicable income taxes
  • $3,161Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,161Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $2,630Sale, conversion, retirement of capital stock, net
  • $3,400Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.49%Yield on earning assets
  • 3.82%Cost of funding earning assets
  • 3.68%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 1.96%Noninterest expense to earning assets
  • 0.75%Net operating income to assets
  • 0.75%Return on assets (ROA)
  • 1.18%Pretax return on assets
  • 8.92%Return on equity (ROE)
  • -0.67%Retained earnings to average equity (YTD only)
  • 0.76%Net charge-offs to loans
  • 125.67%Credit loss provision to net charge-offs
  • 3.13%Efficiency ratio
  • 48,181Assets per employee
  • 5.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 107.56%Loss allowance to loans
  • 1.44%Loss allowance to noncurrent loans
  • 110.78%Noncurrent assets plus other real estate owned to assets
  • 1.76%Noncurrent loans to loans
  • 1.30%Net loans and leases to deposits
  • 113.27%Net loans and leases to core deposits
  • 154.60%Equity capital to assets
  • 8.65%Core capital (leverage) ratio
  • 8.58%Tier 1 risk-based capital ratio
  • 10.47%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $421,018Average earning assets
  • $35,447Average equity
  • $390,444Average loans

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