First National Bank Northwest Florida in city_name, state_name

First National Bank Northwest Florida in Panama City, Florida (FL)
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First National Bank Northwest Florida routing number info

First National Bank Northwest Florida - Overview

General
FDIC Certificate #: 25122
Status: Active
Federal Reserve ID: 216230
Bank Holding Company (Regulatory Top Holder): First Northwest Florida Holding Company (RSSDID: 1246784, Location: Panama City, FL)
Date Established: May 03, 1984
WWW: http://www.fnbnwfl.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: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 17382
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: May 03, 1984
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 101 East 23rd Street, Panama City, FL 32405
County: Bay
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): Panama City, FL (#6015)
Core Based Statistical Area (CBSA): Panama City-Lynn Haven-Panama City Beach, FL (#37460)
CBSA Metro Statistical Area: Panama City-Lynn Haven-Panama City Beach, FL (#37460)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $108.6 mil
Equity capital: $14.9 mil
Deposits held in domestic offices: $93.6 mil
Return on assets (ROA): -2.01% (-$2.2 mil)
Quarterly return on assets: -3.64% (-$4.0 mil)
Return on Equity (ROE): -14.49% (-$2.2 mil)
Quarterly return on equity: -26.71% (-$4.0 mil)
Net income: -$2.4 mil
Quarterly Net income: -$1.0 mil
Pretax return on assets: -2.01% (-$2,183.4 mil)
Quarterly Pretax return on assets: -3.64% (-$3,953.9 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
40Total employees (full-time equivalent)
$108,625Total assets
$18,010Cash and due from depository institutions
$15,169Interest-bearing balances
$18,927Securities
$0Federal funds sold & reverse repurchase agreements
$68,660Net loans & leases
$2,130Loan loss allowance
$0Trading account assets
$157Bank premises and fixed assets
$1,327Other real estate owned
$207Goodwill and other intangibles
$108,625Life insurance assets
$1,337All other assets
$93,725Total liabilities and capital
$93,560Total liabilities
$83,458Total deposits
$93,560Interest-bearing deposits
$76Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$165Subordinated debt
$14,900All other liabilities
$14,900Total equity capital
$14,900Total bank equity capital
$0Perpetual preferred stock
$1,905Common stock
$4,699Surplus
$8,296Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$7,545Income earned, not collected on loans
$1,147Earning assets
$340Long-term assets (5+ years)
$102,756Average Assets, year-to-date
$40,971Average Assets, quarterly
$118,099Volatile liabilities
$113,516Insider loans
$64,075FHLB advances
$114,199Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$14,722Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,708Restructured Loans and leases
$250Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,707Total interest income
$900Total interest expense
$3,807Net interest income
$2,629Provision for loan and lease losses
$182Total noninterest income
$0Fiduciary activities
$54Service charges on deposit accounts
$0Trading account gains & fees
$128Additional noninterest income
$3,737Total noninterest expense
$1,955Salaries and employee benefits
$618Premises and equipment expense
$1,164Additional noninterest expense
-$2,377Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$2,377Income before extraordinary items
$0Extraordinary gains - net
-$2,377Net income attributable to bank
$0Net charge-offs
-$2,377Cash dividends
$2,030Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.18%Yield on earning assets
0.80%Cost of funding earning assets
3.38%Net interest margin
0.16%Noninterest income to earning assets
3.32%Noninterest expense to earning assets
-2.01%Net operating income to assets
-2.01%Return on assets (ROA)
-2.01%Pretax return on assets
-14.49%Return on equity (ROE)
-14.49%Retained earnings to average equity (YTD only)
2.77%Net charge-offs to loans
129.51%Credit loss provision to net charge-offs
0.12%Efficiency ratio
93,683Assets per employee
2.72%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.01%Loss allowance to noncurrent loans
28.23%Noncurrent assets plus other real estate owned to assets
8.17%Noncurrent loans to loans
10.66%Net loans and leases to deposits
73.39%Net loans and leases to core deposits
81.90%Equity capital to assets
13.72%Core capital (leverage) ratio
12.89%Tier 1 risk-based capital ratio
22.98%Total risk-based capital ratio
Memoranda
$24Average assets
$118,099Average earning assets
$16,405Average equity
$112,687Average loans

List of branches

2 Florida Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	17382	First National Bank Northwest Florid	101 East 23rd Street, Panama City, FL 32405	May 03, 1984	Full Service Brick and Mortar
1	257862	Panama City Beach Branch	12501 Hutchinson Blvd, Panama City Beach, FL 32407	March 03, 1986	Full Service Brick and Mortar

First National Bank Northwest Florida in Panama City, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank Northwest Florida - 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 Northwest Florida in Panama City, Florida (FL)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank Northwest Florida - 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 Northwest Florida in Panama City, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches