First National Bank Northwest Florida

First National Bank Northwest Florida is headquartered in Panama City and is the 181^st largest bank in the state of Florida. It is also the 4,724^th largest bank in the nation. It was established in 1984 and as of March of 2012, it had grown to 39 employees at 2 locations. First National Bank Northwest Florida has a 3-star health rating.

Data for Q1 2012

Institution Statistics First National Bank Northwest Florida FDIC Certificate # 25122 BankRate Report View Year Established 1984 Employees 39 Primary Regulator OCC Assets and Liabilities Assets $109.50 million Loans $67.78 million Deposits $94.32 million Equity Capital $15.04 million Loan Loss Allowance $2.05 million Unbacked Noncurrent Loans $5.75 million Real Estate Owned $1.33 million Historic Data - March 2011 Assets $123.86 million Equity Capital $17.49 million Loan Loss Allowance $1.55 million Unbacked Noncurrent Loans $8.56 million Real Estate Owned $792,000 Profit Margin - Quarterly Net Interest Margin 3.4% Return on Assets 0.11% Return on Equity 0.83% Interest Income $1.03 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 First National Bank Northwest Florida had $7.07 million in non-current loans and owned real-estate with $17.1 million in equity and loan loss allowances on hand to cover it. This gives First National Bank Northwest Florida a Texas Ratio of 41.38% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First National Bank Northwest Florida held steady from 45.92% as of March 31, 2011 to 41.38% as of March 31, 2012, resulting in a positive change of 9.90%.This indicates that the balance sheet and financial strength for First National Bank Northwest Florida has held steady in recent periods. Deposit Growth In the past year, First National Bank Northwest Florida has decreased its total deposits by -$10.12 million, resulting in -9.69% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First National Bank Northwest Florida has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First National Bank Northwest Florida has $109.5 million in assets with $17.1 million in equity, resulting in a capitalization level of 15.61%, which is excellent.

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