| Weiss Ratings |
First National Bank and Trust
Atmore, AL |
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| Rating | ||||
| Asset Quality Index | 7.40 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.10 | |||
| Profitability Index | 0.40 | |||
| Stability Index | 4.30 | |||
| Company Info |
First National Bank and Trust
Atmore, AL |
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| FDIC Number | 2779 | |||
| Phone Number | (251) 368-3148 | |||
| Website | www.fnbandt.com | |||
| Asset Quality |
First National Bank and Trust
Atmore, AL |
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| 1-Year Asset Growth | 10.31% | |||
| 5-Year Asset Growth | 6.02% | |||
| 5-Year Charge-Offs to Average Loans | -0.01% | |||
| Charge-Offs to Average Loans | 1.04% | |||
| Non-Performing Assets to Assets | 0.22% | |||
| Non-Performing Loans to Capital | 0.00% | |||
| Non-Performing Loans to Loans | 0.00% | |||
| Balance Sheet |
First National Bank and Trust
Atmore, AL |
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| Total Assets | 239.48M | |||
| Total Deposits | 220.35M | |||
| Capital and Reserves |
First National Bank and Trust
Atmore, AL |
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| Capital | 18.35M | |||
| Leverage Ratio | 11.68 | |||
| Loan Loss Reserves to Loans | 1.06% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First National Bank and Trust
Atmore, AL |
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| Hot Money Ratio | 28.57% | |||
| Liquidity Ratio | 31.78% | |||
| Profitability |
First National Bank and Trust
Atmore, AL |
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| 5-Year Return on Average Assets | 1.24% | |||
| Net Income | 828.00K | |||
| Net Interest Spread | 3.40% | |||
| Operating Profit to Average Assets | 0.37% | |||
| Overhead Efficiency Ratio | 80.32% | |||
| Return on Assets | 0.37% | |||
| Return on Equity | 5.10% | |||