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First Bank and Trust Company of Tennessee

Johnson City, TN · Cert 34099

FDIC

Q3 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: Q3 2001, the quarter ended September 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 Bank and Trust Company of Tennessee

Johnson City, TN · Cert 34099

FDIC

Q3 2001

$84.5MAssets
$68.2MLoans
$78.5MDeposits
$5.5MEquity
Deposit mix
82%Interest-bearing $64.2M18%Noninterest $14.2MQ3 2000Q3 2001

NIM

7.89%Q1 ’017.39%Q2 ’016.98%Q3 ’01-7%-5%

Non-interest income vs. expense

2.65%Q1 ’012.51%Q2 ’012.30%Q3 ’01-7%-9%

Executive Summary

  • Earnings: ROA of 1.02%, up 1 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.17%.
  • Funding: loans stand at 86.96% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

1.02%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.32%

Efficiency Ratio (YTD, annualized)

57.66%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.02%1.13%1.03%0.95%1.02%+1 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a3.73%3.48%3.32%n/a
Efficiency Ration/an/a59.52%59.86%57.66%n/a
Non-Interest Burdenn/an/a1.92%1.80%1.63%n/a
Growth
Asset Growth (YoY)19.52%19.19%7.93%17.51%21.90%+239 bps
Loan Growth (YoY)19.11%19.10%14.84%10.11%14.52%-459 bps
Deposit Growth (YoY)7.68%17.74%8.01%17.12%38.70%+3,102 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.44%0.27%0.17%n/a
Allowance / Loansn/an/a0.97%1.01%1.03%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/a11.55%11.30%10.40%n/a
Equity / Assetsn/an/a7.14%6.70%6.47%n/a
Liquidity & Funding
Loans / Deposits105.32%96.08%90.44%84.62%86.96%-1,836 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a