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First National Bank and Trust Company, The

Athens, TN · Cert 4916

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 National Bank and Trust Company, The

Athens, TN · Cert 4916

FDIC

Q2 2001

$225.7MAssets
$102.3MLoans
$178.6MDeposits
$40.8MEquity
Loan mix
62%RE $36.3M38%C&I $22.0M0%Consumer $0.2MQ2 2000Q2 2001
Deposit mix
86%Interest-bearing $153.2M14%Noninterest $25.3MQ2 2000Q2 2001

NIM

6.76%Q1 ’016.39%Q2 ’01-7%

Non-interest income vs. expense

2.68%Q1 ’013.13%Q2 ’01+17%

Executive Summary

  • Earnings: ROA of 0.42%, down 64 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Funding: loans stand at 57.32% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.42%-64 bps YoY

Net Interest Margin (YTD, annualized)

3.21%

Efficiency Ratio (YTD, annualized)

82.24%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets1.06%1.12%0.00%0.75%0.42%-64 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.45%3.21%n/a
Efficiency Ration/an/an/a67.55%82.24%n/a
Non-Interest Burdenn/an/an/a2.17%2.53%n/a
Growth
Asset Growth (YoY)5.01%3.61%10.64%13.52%12.12%+711 bps
Loan Growth (YoY)11.27%7.17%1.02%3.24%-18.70%-2,997 bps
Deposit Growth (YoY)4.65%2.54%1.32%5.53%4.70%+6 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a-0.34%-0.04%n/a
Allowance / Loansn/an/an/a2.11%2.86%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/a18.35%21.18%n/a
Equity / Assetsn/an/an/a18.04%18.06%n/a
Liquidity & Funding
Loans / Deposits73.81%77.02%74.81%70.36%57.32%-1,650 bps
Liquid Assets / Assets0.00%0.00%0.00%0.98%1.75%+175 bps
CRE / Total Capitaln/an/an/an/an/an/an/a