First National Wealth Management Company

Naples, FL · Cert 57790

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.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Naples, FL · Cert 57790

FDIC

Q4 2004

$3.0MAssets

n/aLoans

n/aDeposits

$2.3MEquity

Return on Assets (YTD, annualized)

13.38%+1,338 bps YoY

Net Interest Margin (YTD, annualized)

0.03%+3 bps YoY

Efficiency Ratio (YTD, annualized)

90.26%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 2003	Q1 2004	Q2 2004	Q3 2004	Q4 2004	YoY Δ	Trend
Earnings
Return on Assets	0.00%	31.74%	32.87%	24.10%	13.38%	+1,338 bps
Return on Equity	n/a	45.04%	46.18%	34.01%	18.51%	n/a
Net Interest Margin	0.00%	-0.35%	0.07%	0.25%	0.03%	+3 bps
Efficiency Ratio	n/a	80.78%	79.84%	83.76%	90.26%	n/a
Non-Interest Burden	0.00%	-66.29%	-53.91%	-38.35%	-20.15%	-2,015 bps
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	7.80%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	69.28%	98.07%	93.25%	90.66%	94.98%	+2,570 bps
Equity / Assets	69.36%	71.51%	72.42%	70.01%	78.38%	+902 bps
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a