Vitals
  • Total Assets
    293.1M 3.3 %
  • Total Deposits
    247.1M 3.7 %
  • Total Net Loans
    125.6M 8.4 %
  • Net Income
    4.4M 20.8 %
  • Book Value
    45.2M 1.2 %
  • Book Value x2
    90.4M 1.2 %
  • Book Value x3
    135.6M 1.2 %
ROAA

1.556

ROAE

9.602

Efficiency Ratio

56.82

Net Interest Margin

4.117

Balance Sheet Highlights
Financial Highlights First National Bank All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 293,118 266,812
Total Net Loans 125,556 157,006
Total Deposits 247,114 227,200
Total Equity 45,201 30,855
Profitability
Net Income 4,430 2,603
Return on Average Assets 1.556 .91
Return on Average Equity 9.602 7.525
Net Interest Margin 4.117 3.872
Efficiency Ratio 56.82 69.238
Noninterest Income/Revenue 17.537 15.218
Balance Sheet Ratios
Loan-to-Deposit 50.809 65.031
Securities/Assets .451 .23
Total Equity/Total Assets .154 .116
Tangible Equity/Tangible Assets .154 .114
Capital Adequacy
Tier 1 Common Capital 45,751 30,655
Tier 1 Capital 45,751 30,655
Tier 2 Capital 1,452 1,864
Total Capital 47,203 32,526
Total Risk Weighted Assets 158,565 184,216
Leverage Ratio 15.99 11.829
Common Equity Tier 1 Capital Ratio 28.85 18.757
Tier 1 Capital Ratio 28.85 18.762
Total Capital Ratio 29.77 19.824

Timeline for First National Bank

Fnb Mortgage Services, Llc

Fnb Mortgage Services, Llc became a new subsidiary organization for First National Bank.

View Profile Mar 03 2006

The Bank Of Parrish

Acquisition: First National Bank acquired a new subsidiary, The Bank Of Parrish, 22 years

View Profile May 15 2002

Bank Of Carbon Hill

Acquisition: First National Bank acquired a new subsidiary, Bank Of Carbon Hill, 22 years

View Profile Apr 03 2002

The Bank Of Berry

Acquisition: First National Bank acquired a new subsidiary, The Bank Of Berry, 22 years

View Profile Apr 01 2002

Fnb Financial Services, Inc.

Fnb Financial Services, Inc. became a new subsidiary organization for First National Bank.

View Profile May 23 2001

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Complete timeline for First National Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The Bank Of Parrish Seller 21,876 Acquisition Discontinued 5/15/2002
Bank Of Carbon Hill Seller 33,437 Acquisition Discontinued 4/3/2002
The Bank Of Berry Seller 12,825 Acquisition Discontinued 4/1/2002
Phenix Federal Savings And Loan Association, Fa Seller 105,049 Failure 5/19/1990
Relationships Role Relationship Start Relationship End
Marion County Bancshares, Inc. Parent 1/31/1986
Fnb Financial Services, Inc. Subsidary 6/30/2007
Fnb Mortgage Services, Llc Subsidary 3/3/2006
Fnb Financial Services, Inc. Subsidary 5/23/2001 6/29/2007