Vitals
  • Total Assets
    135.6M 5.1 %
  • Total Deposits
    119.8M 7.1 %
  • Total Net Loans
    71.0M 5.8 %
  • Net Income
    1.0M 19.8 %
  • Book Value
    15.6M -2.6 %
  • Book Value x2
    31.2M -2.6 %
  • Book Value x3
    46.9M -2.6 %
ROAA

.765

ROAE

6.07

Efficiency Ratio

80.625

Net Interest Margin

3.695

Balance Sheet Highlights
Financial Highlights The First National Bank And Trust All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 135,633 266,812
Total Net Loans 70,966 157,006
Total Deposits 119,786 227,200
Total Equity 15,617 30,855
Profitability
Net Income 1,003 2,603
Return on Average Assets .765 .91
Return on Average Equity 6.07 7.525
Net Interest Margin 3.695 3.872
Efficiency Ratio 80.625 69.238
Noninterest Income/Revenue 24.873 15.218
Balance Sheet Ratios
Loan-to-Deposit 59.244 65.031
Securities/Assets .322 .23
Total Equity/Total Assets .115 .116
Tangible Equity/Tangible Assets .115 .114
Capital Adequacy
Tier 1 Common Capital 16,582 30,655
Tier 1 Capital 16,582 30,655
Tier 2 Capital 1,164 1,864
Total Capital 17,746 32,526
Total Risk Weighted Assets 92,615 184,216
Leverage Ratio 12.3 11.829
Common Equity Tier 1 Capital Ratio 17.9 18.757
Tier 1 Capital Ratio 17.9 18.762
Total Capital Ratio 19.16 19.824

Timeline for The First National Bank And Trust

First National Service Corporation

First National Service Corporation became a new subsidiary organization for The First National Bank And Trust.

View Profile Sep 17 1990

First Suncoast Trust Bancshares, Inc.

First Suncoast Trust Bancshares, Inc. became a new parent organization for The First National Bank And Trust.

View Profile Jul 31 1987

First State Bank Of Atmore

Acquisition: The First National Bank And Trust acquired a new subsidiary, First State Bank Of Atmore, 37 years

View Profile Feb 20 1987

The First National Bank And Trust

The First National Bank And Trust was established 109 years ago and is currently headquartered in Atmore, AL.

Jan 01 1915
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First State Bank Of Atmore Seller 12,365 Failure 2/20/1987
Relationships Role Relationship Start Relationship End
First Suncoast Trust Bancshares, Inc. Parent 7/31/1987
First National Service Corporation Subsidary 6/30/2007
First National Service Corporation Subsidary 9/17/1990 6/29/2007
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