First National Bank of the Gulf Coast in city_name, state_name

First National Bank of the Gulf Coast in Naples, Florida (FL)
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First National Bank of the Gulf Coast routing number info

First National Bank of the Gulf Coast - Overview

General
FDIC Certificate #: 58532
Status: Active
Federal Reserve ID: 3591282
Date Established: December 03, 2007
WWW: http://www.fnbofgc.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: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 455602
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: Commercial Lending Specialization
Date of Deposit Insurance: December 03, 2007
Last Structure Change Effective Date: June 30, 2010
Last Structure Change Process Date: July 22, 2010
Last Data Update: July 22, 2010
Data Source Date: April 05, 2012
Location
Address: 3560 Kraft Road, Naples, FL 34105
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: $396.3 mil
Equity capital: $64.8 mil
Deposits held in domestic offices: $290.6 mil
Return on assets (ROA): -1.68% (-$6.7 mil)
Quarterly return on assets: -3.66% (-$14.5 mil)
Return on Equity (ROE): -12.01% (-$7.8 mil)
Quarterly return on equity: -21.45% (-$13.9 mil)
Net income: -$5.9 mil
Quarterly Net income: -$3.5 mil
Pretax return on assets: -1.68% (-$6,658.3 mil)
Quarterly Pretax return on assets: -3.66% (-$14,505.6 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
76Total employees (full-time equivalent)
$396,328Total assets
$55,500Cash and due from depository institutions
$45,550Interest-bearing balances
$130,649Securities
$0Federal funds sold & reverse repurchase agreements
$181,106Net loans & leases
$3,057Loan loss allowance
$0Trading account assets
$18,226Bank premises and fixed assets
$799Other real estate owned
$5,196Goodwill and other intangibles
$396,328Life insurance assets
$4,852All other assets
$331,573Total liabilities and capital
$290,553Total liabilities
$267,401Total deposits
$290,553Interest-bearing deposits
$90Deposits held in domestic offices
38580.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$2,440Subordinated debt
$64,755All other liabilities
$64,755Total equity capital
$64,755Total bank equity capital
$0Perpetual preferred stock
$70,301Common stock
$17,845Surplus
$-23,391Undivided profits
Memoranda
$0Noncurrent loans and leases
$237Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$927Income earned, not collected on loans
$0Earning assets
$1,085Long-term assets (5+ years)
$357,305Average Assets, year-to-date
$144,051Average Assets, quarterly
$352,740Volatile liabilities
$383,504Insider loans
$220,560FHLB advances
$371,359Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$58,444Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$35,580Restructured Loans and leases
$3,046Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$11,833Total interest income
$2,538Total interest expense
$9,295Net interest income
$2,726Provision for loan and lease losses
$672Total noninterest income
$0Fiduciary activities
$191Service charges on deposit accounts
$0Trading account gains & fees
$481Additional noninterest income
$13,781Total noninterest expense
$6,879Salaries and employee benefits
$2,560Premises and equipment expense
$4,342Additional noninterest expense
-$6,540Pre-tax net operating income
$607Securities gains (losses)
$0Applicable income taxes
-$5,933Income before extraordinary items
$0Extraordinary gains - net
-$5,933Net income attributable to bank
$0Net charge-offs
-$5,933Cash dividends
$717Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.74%Yield on earning assets
0.80%Cost of funding earning assets
2.94%Net interest margin
0.21%Noninterest income to earning assets
4.36%Noninterest expense to earning assets
-1.85%Net operating income to assets
-1.68%Return on assets (ROA)
-1.68%Pretax return on assets
-12.01%Return on equity (ROE)
-12.01%Retained earnings to average equity (YTD only)
0.52%Net charge-offs to loans
380.20%Credit loss provision to net charge-offs
-5.32%Efficiency ratio
138,196Assets per employee
5.21%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.66%Loss allowance to noncurrent loans
329.77%Noncurrent assets plus other real estate owned to assets
0.44%Noncurrent loans to loans
0.50%Net loans and leases to deposits
62.33%Net loans and leases to core deposits
71.41%Equity capital to assets
16.34%Core capital (leverage) ratio
15.74%Tier 1 risk-based capital ratio
26.50%Total risk-based capital ratio
Memoranda
$28Average assets
$352,740Average earning assets
$49,409Average equity
$316,343Average loans

List of branches

3 Florida Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	455602	First National Bank Of The Gulf Coas	3560 Kraft Road, Naples, FL 34105	December 03, 2007	Full Service Brick and Mortar
2	496111	Joel Boulevard Branch	50 Joel Boulevard, Lehigh Acres, FL 33936	October 23, 2009	Full Service Brick and Mortar
3	510625	Anchor Rode Branch	811 Anchor Rode Drive, Naples, FL 34103	October 26, 2009	Full Service Brick and Mortar

First National Bank of the Gulf Coast in Naples, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of the Gulf Coast - 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 of the Gulf Coast in Naples, Florida (FL)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of the Gulf Coast - 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 of the Gulf Coast in Naples, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches