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Ewing & Co. investment banking firm said he believed the bank's problems stemmed from aggressive venture into commercial real estate lending, a new line of business for the bank, in the mid-2000's. "I'm not sure it was mismanagement – I'd call it a mistake by the board," he said. "They were going into a business that was new to them and made mistakes, and their timing was terrible" – just before the real estate crash. Despite the bank's failure, Fant heavily subsidized his first campaign for the state House two years later, in 2014. He loaned his 2014 campaign $374,650 out of $647,593 it spent, even though his financial disclosure for the year 2013 shows no income and a net worth of $794,750, including a $548,000 IRA. Fant's disclosures for 2014-2016 continued to show little income other than his legislative pay, which totaled $62,834 for all three years. Fant has listed his occupation as "chairman of a corporation" and "small business owner." But his only income besides his legislative pay for the period 2013-16 was $10,000 in 2016 from a company called Caroline Family Office, the company of which he's chairman, headquartered at his home address. The campaign described it as a "fiduciary services" firm and wouldn't describe its business further or say who its clients are. Fant has reported owning a 1 percent share of the company, saying that share was worth $250,000. The term "family office" usually refers to a company that manages the investments of a wealthy individual or family. On his financial disclosure for 2016, Fant lists assets including joint ownership of his home in an upscale waterfront neighborhood in Jacksonville, valued at $2 million, but with a $1.2 million mortgage; a $580,000 IRA; a joint investment account with his wife valued at $249,000; $50,000 in a joint checking account; his interest in Caroline Family Office; and a company called Gadsden LLC, valued at $400,000. The campaign said Gadsden LLC is a real estate company and wouldn't provide details on its business or assets.
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