First National Bank of Tennessee in city_name, state_name - Detailed Financial Reports, Location

First National Bank of Tennessee in Livingston, Tennessee (TN)
Show street view No street view available for this location

First National Bank of Tennessee routing number info

First National Bank of Tennessee - Overview

General
FDIC Certificate #: 19502
Status: Active
Federal Reserve ID: 283737
Date Established: October 25, 1965
WWW: http://www.fnbotn.com
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

No	ID	Name	Address	Established	Service Type
0	13302	First National Bank Of Tennessee	214 East Main Street, Livingston, TN 38570	October 25, 1965	Full Service Brick and Mortar
1	248542	West Main Street Branch	1115 West Main Street, Livingston, TN 38570	October 25, 1975	Full Service Brick and Mortar
2	248543	Cookeville Branch	412 South Jefferson Avenue, Cookeville, TN 38501	March 15, 1988	Full Service Brick and Mortar
3	248544	Crossville Branch	1386 North Main Street, Crossville, TN 38555	September 15, 1997	Full Service Brick and Mortar
4	444515	Sparta Branch	130 Sam Walton Drive, Sparta, TN 38583	September 06, 2005	Full Service Brick and Mortar
5	463512	Algood Branch	330 West Main Street, Cookeville, TN 38506	April 23, 2007	Full Service Brick and Mortar
6	493059	Fairfield Glade Branch	5011 Peavine Rd, Crossville, TN 38571	December 01, 2008	Full Service Brick and Mortar

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

First National Bank of Tennessee - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

First National Bank of Tennessee - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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