First National Bank of Tennessee in Livingston, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of Tennessee - Overview

  • General
  • FDIC Certificate #: 19502
    Status: Active
    Federal Reserve ID: 283737
    Date Established: October 25, 1965
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 11218
    FDIC's unique #: 13302
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 25, 1965
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 214 East Main Street, Livingston, TN 38570
    County: Overton
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Nashville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Cookeville, TN (#18260)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $621.8 mil
    Equity capital: $66.4 mil
    Deposits held in domestic offices: $542.7 mil
    Return on assets (ROA): 0.99% ($6.2 mil)
    Quarterly return on assets: 0.94% ($5.8 mil)
    Return on Equity (ROE): 9.25% ($6.1 mil)
    Quarterly return on equity: 8.90% ($5.9 mil)
    Net income: $6.1 mil
    Quarterly Net income: $1.5 mil
    Pretax return on assets: 1.07% ($6,653.4 mil)
    Quarterly Pretax return on assets: 1.01% ($6,280.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 132Total employees (full-time equivalent)
  • $621,809Total assets
  • $92,866Cash and due from depository institutions
  • $40,002Interest-bearing balances
  • $45,142Securities
  • $41,490Federal funds sold & reverse repurchase agreements
  • $432,785Net loans & leases
  • $10,046Loan loss allowance
  • $0Trading account assets
  • $3,695Bank premises and fixed assets
  • $569Other real estate owned
  • $0Goodwill and other intangibles
  • $621,809Life insurance assets
  • $5,262All other assets
  • $555,403Total liabilities and capital
  • $542,699Total liabilities
  • $469,148Total deposits
  • $542,699Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 10264.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $178Trading liabilities
  • $0Other borrowed funds
  • $2,262Subordinated debt
  • $66,406All other liabilities
  • $66,406Total equity capital
  • $66,406Total bank equity capital
  • $0Perpetual preferred stock
  • $629Common stock
  • $3,074Surplus
  • $62,703Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,814Income earned, not collected on loans
  • $0Earning assets
  • $1,940Long-term assets (5+ years)
  • $559,419Average Assets, year-to-date
  • $16,663Average Assets, quarterly
  • $615,551Volatile liabilities
  • $622,760Insider loans
  • $414,772FHLB advances
  • $620,790Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $66,406Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $27,310Restructured Loans and leases
  • $5,398Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $26,255Total interest income
  • $5,393Total interest expense
  • $20,862Net interest income
  • $1,500Provision for loan and lease losses
  • $3,923Total noninterest income
  • $0Fiduciary activities
  • $1,744Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,179Additional noninterest income
  • $16,718Total noninterest expense
  • $9,124Salaries and employee benefits
  • $2,779Premises and equipment expense
  • $4,815Additional noninterest expense
  • $6,567Pre-tax net operating income
  • $0Securities gains (losses)
  • $492Applicable income taxes
  • $6,075Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,075Net income attributable to bank
  • $0Net charge-offs
  • $6,075Cash dividends
  • -$600Sale, conversion, retirement of capital stock, net
  • $6,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.73%Yield on earning assets
  • 0.97%Cost of funding earning assets
  • 3.76%Net interest margin
  • 0.71%Noninterest income to earning assets
  • 3.01%Noninterest expense to earning assets
  • 0.99%Net operating income to assets
  • 0.99%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 9.25%Return on equity (ROE)
  • 0.11%Retained earnings to average equity (YTD only)
  • -0.13%Net charge-offs to loans
  • -250.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 67,452Assets per employee
  • 4.71%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 98.77%Loss allowance to loans
  • 2.27%Loss allowance to noncurrent loans
  • 147.43%Noncurrent assets plus other real estate owned to assets
  • 1.19%Noncurrent loans to loans
  • 1.54%Net loans and leases to deposits
  • 79.75%Net loans and leases to core deposits
  • 82.95%Equity capital to assets
  • 10.68%Core capital (leverage) ratio
  • 10.70%Tier 1 risk-based capital ratio
  • 16.01%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $615,551Average earning assets
  • $65,704Average equity
  • $555,431Average loans

List of branches

  • 7 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013302First National Bank Of Tennessee214 East Main Street, Livingston, TN 38570October 25, 1965Full Service Brick and Mortar
    1248542West Main Street Branch1115 West Main Street, Livingston, TN 38570October 25, 1975Full Service Brick and Mortar
    2248543Cookeville Branch412 South Jefferson Avenue, Cookeville, TN 38501March 15, 1988Full Service Brick and Mortar
    3248544Crossville Branch1386 North Main Street, Crossville, TN 38555September 15, 1997Full Service Brick and Mortar
    4444515Sparta Branch130 Sam Walton Drive, Sparta, TN 38583September 06, 2005Full Service Brick and Mortar
    5463512Algood Branch330 West Main Street, Cookeville, TN 38506April 23, 2007Full Service Brick and Mortar
    6493059Fairfield Glade Branch5011 Peavine Rd, Crossville, TN 38571December 01, 2008Full Service Brick and Mortar

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