PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First National Wealth Management Company

Naples, FL · Cert 57790

FDIC

Q4 2004

$3.0MAssets
n/aLoans
n/aDeposits
$2.3MEquity

Return on Assets (quarter, annualized)

-18.79%-1,879 bps YoY

Net Interest Margin (quarter, annualized)

-0.57%-57 bps YoY

Efficiency Ratio (quarter, annualized)

116.79%

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.00%Q1 ’040.37%Q3 ’040.57%Q4 ’04+275%-194%

Non-interest income vs. expense

277%Q1 ’04199.20%Q3 ’04192.12%Q4 ’04+78%+288%

Discrete quarter, annualized.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Return on Assets0.00%31.74%34.07%8.50%-18.79%-1,879 bps
Net Interest Margin0.00%-0.35%0.39%0.61%-0.57%-57 bps
Non-Interest Burdenn/a-66.29%-57.99%-14.47%27.25%n/a
Loan Growth (YoY)n/an/an/an/an/an/an/a
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Equity / Assets69.36%71.51%72.42%70.01%78.38%+902 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps