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First Volunteer Bank of East Tennessee

Jacksboro, TN · Cert 1466

FDIC

Q2 2001

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: Q2 2001, the quarter ended June 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Volunteer Bank of East Tennessee

Jacksboro, TN · Cert 1466

FDIC

Q2 2001

$104.0MAssets
$65.7MLoans
$93.9MDeposits
$9.4MEquity
Loan mix
75%RE $27.5M25%C&I $9.3M0%Consumer $0.0MQ2 2000Q2 2001
Deposit mix
87%Interest-bearing $81.6M13%Noninterest $12.2MQ2 2000Q2 2001

NIM

8.14%Q1 ’018.08%Q2 ’01+2%

Non-interest income vs. expense

2.90%Q1 ’013.12%Q2 ’01+7%

Executive Summary

  • Earnings: ROA of 1.75%, down 7 bps year over year; NIM at 4.73%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.27%.
  • Funding: loans stand at 69.95% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

1.75%-7 bps YoY

Net Interest Margin (YTD, annualized)

4.73%

Efficiency Ratio (YTD, annualized)

52.91%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets1.82%1.85%1.88%1.64%1.75%-7 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a4.63%4.73%n/a
Efficiency Ration/an/an/a50.74%52.91%n/a
Non-Interest Burdenn/an/an/a1.82%1.95%n/a
Growth
Asset Growth (YoY)3.27%0.61%9.37%13.05%8.51%+524 bps
Loan Growth (YoY)7.47%8.34%14.96%11.65%12.49%+502 bps
Deposit Growth (YoY)3.75%-0.17%8.82%12.34%7.21%+346 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.10%0.27%n/a
Allowance / Loansn/an/an/a1.21%1.14%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/a14.55%14.81%n/a
Equity / Assetsn/an/an/a8.49%9.04%n/a
Liquidity & Funding
Loans / Deposits66.67%73.08%68.74%66.00%69.95%+328 bps
Liquid Assets / Assets0.00%0.00%0.00%1.05%1.06%+106 bps
CRE / Total Capitaln/an/an/an/an/an/an/a