FineMark National Bank & Trust in Fort Myers, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

FineMark National Bank & Trust - Overview

  • General
  • FDIC Certificate #: 58486
    Status: Active
    Federal Reserve ID: 3547131
    Bank Holding Company (Regulatory Top Holder): Finemark Holdings, Inc. (RSSDID: 3547159, Location: Fort Myers, FL)
    Date Established: Febuary 16, 2007
    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: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 453865
    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: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: Febuary 16, 2007
    Last Structure Change Effective Date: May 12, 2008
    Last Structure Change Process Date: October 24, 2008
    Last Data Update: October 24, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 12681 Creekside Lane, Fort Myers, FL 33919
    County: Lee
    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): Fort Myers-Cape Coral, FL (#2700)
    Core Based Statistical Area (CBSA): Cape Coral-Fort Myers, FL (#15980)
    CBSA Metro Statistical Area: Cape Coral-Fort Myers, FL (#15980)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $449.3 mil
    Equity capital: $39.4 mil
    Deposits held in domestic offices: $350.8 mil
    Return on assets (ROA): 0.30% ($1.3 mil)
    Quarterly return on assets: 0.05% ($0.2 mil)
    Return on Equity (ROE): 3.57% ($1.4 mil)
    Quarterly return on equity: 0.61% ($0.2 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.47% ($2,111.5 mil)
    Quarterly Pretax return on assets: 0.03% ($134.8 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
  • 64Total employees (full-time equivalent)
  • $449,265Total assets
  • $8,402Cash and due from depository institutions
  • $5,593Interest-bearing balances
  • $199,487Securities
  • $335Federal funds sold & reverse repurchase agreements
  • $213,233Net loans & leases
  • $3,184Loan loss allowance
  • $0Trading account assets
  • $10,766Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $449,265Life insurance assets
  • $17,042All other assets
  • $409,912Total liabilities and capital
  • $350,843Total liabilities
  • $346,107Total deposits
  • $350,843Interest-bearing deposits
  • $53Deposits held in domestic offices
  • 3707.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $54,727Trading liabilities
  • $0Other borrowed funds
  • $635Subordinated debt
  • $39,353All other liabilities
  • $39,353Total equity capital
  • $39,353Total bank equity capital
  • $0Perpetual preferred stock
  • $31Common stock
  • $41,914Surplus
  • $-2,592Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $733Income earned, not collected on loans
  • $0Earning assets
  • $1,676Long-term assets (5+ years)
  • $418,648Average Assets, year-to-date
  • $158,910Average Assets, quarterly
  • $413,940Volatile liabilities
  • $439,668Insider loans
  • $251,650FHLB advances
  • $434,157Loans and leases held for sale
  • $8,403Unused loan commitments
  • $8,403Tier 1 (core) risk-based capital
  • $38,697Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $47,697Restructured Loans and leases
  • $10,879Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,519Total interest income
  • $4,367Total interest expense
  • $9,152Net interest income
  • $381Provision for loan and lease losses
  • $3,340Total noninterest income
  • $2,431Fiduciary activities
  • $31Service charges on deposit accounts
  • $0Trading account gains & fees
  • $878Additional noninterest income
  • $12,226Total noninterest expense
  • $6,856Salaries and employee benefits
  • $1,620Premises and equipment expense
  • $3,750Additional noninterest expense
  • -$115Pre-tax net operating income
  • $2,041Securities gains (losses)
  • $689Applicable income taxes
  • $1,237Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,237Net income attributable to bank
  • $0Net charge-offs
  • $1,237Cash dividends
  • $182Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.52%Yield on earning assets
  • 1.14%Cost of funding earning assets
  • 2.38%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 3.18%Noninterest expense to earning assets
  • -0.02%Net operating income to assets
  • 0.30%Return on assets (ROA)
  • 0.47%Pretax return on assets
  • 3.57%Return on equity (ROE)
  • 3.57%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 209.34%Credit loss provision to net charge-offs
  • 1.46%Efficiency ratio
  • 97,871Assets per employee
  • 7.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.47%Loss allowance to noncurrent loans
  • 434.38%Noncurrent assets plus other real estate owned to assets
  • 0.16%Noncurrent loans to loans
  • 0.34%Net loans and leases to deposits
  • 60.78%Net loans and leases to core deposits
  • 71.51%Equity capital to assets
  • 8.76%Core capital (leverage) ratio
  • 8.91%Tier 1 risk-based capital ratio
  • 15.38%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $413,940Average earning assets
  • $34,628Average equity
  • $384,169Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $441,560Managed Assets
  • 1Number of Accounts
  • $441,560Personal trust and agency accounts
  • $52,714Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $8,758Other retirement accounts
  • $70,936Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $305,113Other fiduciary accounts
  • $4,039Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 547Number of Accounts
  • $0Personal trust and agency accounts
  • $70,936Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Florida Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0453865Finemark National Bank & Trust12681 Creekside Lane, Fort Myers, FL 33919Febuary 16, 2007Full Service Brick and Mortar
    1493478Shell Point Branch14990 Shell Point Blvd., Fort Myers, FL 33919June 15, 2009Full Service Brick and Mortar
    2493848Coconut Point Branch10010 Coconut Road, Bonita Springs, FL 34135Febuary 02, 2009Full Service Brick and Mortar
    3521932Moorings Park Branch120 Moorings Park Drive, Naples, FL 34105March 21, 2011Full Service Brick and Mortar

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