FineMark National Bank & Trust in Fort Myers, Florida (FL)

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FineMark National Bank & Trust routing number info

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FineMark National Bank & Trust
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)64
Total assets$449,265
Cash and due from depository institutions$8,402
Interest-bearing balances$5,593
Federal funds sold & reverse repurchase agreements$335
Net loans & leases$213,233
Loan loss allowance $3,184
Trading account assets$0
Bank premises and fixed assets$10,766
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$17,042
Life insurance assets$449,265
Total liabilities and capital$409,912
Total liabilities$350,843
Total deposits$346,107
Interest-bearing deposits$350,843
Deposits held in domestic offices$53
% insured (estimated)3707.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$54,727
Other borrowed funds $0
Subordinated debt $635
All other liabilities $39,353
Total equity capital$39,353
Total bank equity capital$39,353
Perpetual preferred stock$0
Common stock$31
Undivided profits $-2,592
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $733
Earning assets $0
Long-term assets (5+ years) $1,676
Average Assets, year-to-date $418,648
Average Assets, quarterly $158,910
Volatile liabilities $413,940
Insider loans $439,668
FHLB advances $251,650
Loans and leases held for sale $434,157
Unused loan commitments $8,403
Tier 1 (core) risk-based capital $8,403
Tier 2 risk-based capital $38,697
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $47,697
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $13,519
Total interest expense $4,367
Net interest income $9,152
Provision for loan and lease losses $381
Total noninterest income $3,340
Fiduciary activities $2,431
Service charges on deposit accounts $31
Trading account gains & fees $0
Additional noninterest income $878
Total noninterest expense $12,226
Salaries and employee benefits $6,856
Premises and equipment expense $1,620
Additional noninterest expense $3,750
Pre-tax net operating income -$115
Securities gains (losses) $2,041
Applicable income taxes $689
Income before extraordinary items $1,237
Extraordinary gains - net $0
Net income attributable to bank $1,237
Net charge-offs $0
Cash dividends $1,237
Sale, conversion, retirement of capital stock, net $182
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.52%
Cost of funding earning assets 1.14%
Net interest margin 2.38%
Noninterest income to earning assets 0.87%
Noninterest expense to earning assets 3.18%
Net operating income to assets -0.02%
Return on assets (ROA) 0.30%
Pretax return on assets 0.47%
Return on equity (ROE) 3.57%
Retained earnings to average equity (YTD only) 3.57%
Net charge-offs to loans 0.10%
Credit loss provision to net charge-offs 209.34%
Efficiency ratio1.46%
Assets per employee$97,871
Cash dividends to net income (YTD only)7.02%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.47%
Noncurrent assets plus other real estate owned to assets 434.38%
Noncurrent loans to loans 0.16%
Net loans and leases to deposits0.34%
Net loans and leases to core deposits 60.78%
Equity capital to assets 71.51%
Core capital (leverage) ratio 8.76%
Tier 1 risk-based capital ratio 8.91%
Total risk-based capital ratio 15.38%
Average assets$17
Average earning assets$413,940
Average equity $34,628
Average loans $384,169
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$441,560
Number of Accounts1
Personal trust and agency accounts$441,560
Employee benefit-defined contribution accounts$52,714
Employee benefit-defined benefit accounts$0
Other retirement accounts$8,758
Corporate trust and agency accounts$70,936
Investment management agency accounts$0
Other fiduciary accounts$305,113
Fiduciary accounts held in foreign offices$4,039
Non-managed Assets$0
Number of Accounts547
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$70,936
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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