PackageTrendsPeer
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First National Bank of Florida

Naples, FL · Cert 27538

FDIC

Q4 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2004, the quarter ended December 31, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Florida

Naples, FL · Cert 27538

FDIC

Q4 2004

$5.6BAssets
$3.9BLoans
$3.9BDeposits
$747.8MEquity
Loan mix
81%RE $1.3B18%C&I $0.3B0%Consumer $0.0BQ4 2003Q4 2004
Deposit mix
91%Interest-bearing $3.5B9%Noninterest $0.3BQ4 2003Q4 2004

NIM

5.59%Q4 ’024.54%Q4 ’033.67%Q4 ’04-12%-20%

Non-interest income vs. expense

2.99%Q4 ’022.47%Q4 ’032.36%Q4 ’04-19%+9%

Executive Summary

  • Earnings: ROA of 0.46%, down 74 bps year over year; NIM at 2.71%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.11%.
  • Funding: loans stand at 102.58% of deposits as of Q4 2004.

Financial Results

Return on Assets (YTD, annualized)

0.46%-74 bps YoY

Net Interest Margin (YTD, annualized)

2.71%-68 bps YoY

Efficiency Ratio (YTD, annualized)

72.50%+1,359 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets1.20%0.99%1.02%0.90%0.46%-74 bps
Return on Equity12.63%9.68%10.13%8.15%3.96%-866 bps
Net Interest Margin3.39%3.50%3.37%3.12%2.71%-68 bps
Efficiency Ratio58.90%61.12%60.25%63.09%72.50%+1,359 bps
Non-Interest Burden1.72%1.88%1.79%1.77%1.86%+15 bps
Growth
Asset Growth (YoY)37.29%39.82%41.05%88.91%51.63%+1,435 bps
Loan Growth (YoY)24.44%25.19%25.10%70.85%59.88%+3,544 bps
Deposit Growth (YoY)28.47%29.92%29.73%72.89%41.29%+1,283 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.12%0.06%0.05%0.03%0.11%-1 bps
Allowance / Loans1.14%1.13%1.10%1.08%0.98%-15 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.35%10.20%10.05%10.03%10.01%-34 bps
Equity / Assets10.47%10.03%9.60%13.22%13.25%+278 bps
Liquidity & Funding
Loans / Deposits90.65%87.18%90.38%95.33%102.58%+1,193 bps
Liquid Assets / Assets0.46%0.29%0.00%0.01%0.01%-45 bps
CRE / Total Capitaln/an/an/an/an/an/an/a