Vitals
  • Total Assets
    400.1M 8.3 %
  • Total Deposits
    330.3M 7.6 %
  • Total Net Loans
    109.2M -2.5 %
  • Net Income
    3.5M 30.8 %
  • Book Value
    45.1M -0.3 %
  • Book Value x2
    90.3M -0.3 %
  • Book Value x3
    135.4M -0.3 %
ROAA

.912

ROAE

7.74

Efficiency Ratio

79.152

Net Interest Margin

2.814

Balance Sheet Highlights
Financial Highlights Fnbt Bank All Insured Commercial Banks in Florida
Balance Sheet $(000)
Total Assets 400,104 586,559
Total Net Loans 109,169 397,788
Total Deposits 330,342 483,997
Total Equity 45,138 60,775
Profitability
Net Income 3,548 4,381
Return on Average Assets .912 .706
Return on Average Equity 7.74 6.893
Net Interest Margin 2.814 3.553
Efficiency Ratio 79.152 74.427
Noninterest Income/Revenue 38.9 15.578
Balance Sheet Ratios
Loan-to-Deposit 33.047 80.705
Securities/Assets .016 .17
Total Equity/Total Assets .113 .104
Tangible Equity/Tangible Assets .113 .1
Capital Adequacy
Tier 1 Common Capital 45,308 55,412
Tier 1 Capital 45,308 55,855
Tier 2 Capital 2,256 4,271
Total Capital 47,564 60,316
Total Risk Weighted Assets 178,590 416,967
Leverage Ratio 11.42 10.155
Common Equity Tier 1 Capital Ratio 25.37 14.982
Tier 1 Capital Ratio 25.37 15.063
Total Capital Ratio 26.63 16.194

Timeline for Fnbt Bank

Mortgage One Of The South, Inc.

Mortgage One Of The South, Inc. became a new subsidiary organization for Fnbt Bank.

View Profile Jul 21 1999

Bankers Bank Card Services, Inc.

Bankers Bank Card Services, Inc. became a new subsidiary organization for Fnbt Bank.

View Profile Mar 23 1998

American Finance Company Of Northwest Florida, Inc.

American Finance Company Of Northwest Florida, Inc. became a new subsidiary organization for Fnbt Bank.

View Profile Nov 01 1995

Southern Courier Services, Inc.

Southern Courier Services, Inc. became a new subsidiary organization for Fnbt Bank.

View Profile Sep 02 1995

First Banking Services Of The South, Inc.

First Banking Services Of The South, Inc. became a new subsidiary organization for Fnbt Bank.

View Profile Mar 31 1993

Want to see more?

Complete timeline for Fnbt Bank is available.

View Complete Timeline
Relationships Role Relationship Start Relationship End
Southern National Banks, Inc. Parent 11/18/1996
Southern National Banks, Inc. Parent 8/9/1994 11/17/1996
Southern National Banks, Inc. Parent 2/1/1985 8/8/1994
First Banking Services Of The South, Inc. Subsidary 6/30/2007
American Finance Company Of Northwest Florida, Inc. Subsidary 6/30/2007
Southern Courier Services, Inc. Subsidary 6/30/2007
Mortgage One Of The South, Inc. Subsidary 6/30/2007
First Banking Services Of The South, Inc. Subsidary 1/1/1998 6/29/2007
American Finance Company Of Northwest Florida, Inc. Subsidary 11/1/1995 6/29/2007
Southern Courier Services, Inc. Subsidary 9/2/1995 6/29/2007
Mortgage One Of The South, Inc. Subsidary 7/21/1999 6/29/2007
Bankers Bank Card Services, Inc. Subsidary 3/23/1998 12/30/2004
Emerald Coast Investments, Inc. Subsidary 6/28/1991 12/31/2001
First Banking Services Of The South, Inc. Subsidary 3/31/1993 12/31/1997
First Appraisal Corporation Subsidary 7/1/1991 12/29/1994
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