But the bank's executives are quick to pay tribute to the role that their computer systems played, a sometimes forgotten aspect of such corporate recoveries.

In 1990, First American National Bank, which now has $7 billion of assets and ranks second in Tennessee, was put under a letter of agreement by the Office of the Comptroller of the Currency. More than $770 million of the bank's assets were criticized and classified. Nonperforming loans and assets were slightly under 5% of the total.

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