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Proc-Type: 2001,MIC-CLEAR
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<SEC-DOCUMENT>0000950117-03-001975.txt : 20030508
<SEC-HEADER>0000950117-03-001975.hdr.sgml : 20030508
<ACCEPTANCE-DATETIME>20030508144748
ACCESSION NUMBER:		0000950117-03-001975
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20030507
ITEM INFORMATION:		Other events
ITEM INFORMATION:		Financial statements and exhibits
FILED AS OF DATE:		20030508

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST TENNESSEE NATIONAL CORP
		CENTRAL INDEX KEY:			0000036966
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				620803242
		STATE OF INCORPORATION:			TN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15185
		FILM NUMBER:		03687919

	BUSINESS ADDRESS:	
		STREET 1:		165 MADISON AVE
		CITY:			MEMPHIS
		STATE:			TN
		ZIP:			38103
		BUSINESS PHONE:		9015234638

	MAIL ADDRESS:	
		STREET 1:		165 MADISON AVE
		CITY:			MEMPHIS
		STATE:			TN
		ZIP:			38103

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FIRST TENNESSEE BANKS INC
		DATE OF NAME CHANGE:	19600201
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>a35241.txt
<DESCRIPTION>FIRST TENNESSEE NATIONAL
<TEXT>
<PAGE>

                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549

                                   ----------

                                    FORM 8-K

                                 CURRENT REPORT
                     PURSUANT TO SECTION 13 OR 15(d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934

         Date of report (Date of earliest event reported) -- May 7, 2003

                      FIRST TENNESSEE NATIONAL CORPORATION
               (Exact Name of Registrant as Specified in Charter)

          TENNESSEE                       0-4491                 62-0803242
(State or Other Jurisdiction           (Commission             (IRS Employer
      of Incorporation)                File Number)          Identification No.)

                     165 MADISON AVENUE
                     MEMPHIS, TENNESSEE                   38103
           (Address of Principal Executive Office)      (Zip Code)

       Registrant's telephone number, including area code - (901) 523-4444





<PAGE>

ITEM 5. OTHER EVENTS

     This Current Report on Form 8-K includes the Computation of our Ratio of
Earnings to Fixed Charges for the five years ended December 31, 2002.

ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS

     c)   Exhibits

The following exhibits are filed herewith:

Exhibit Number   Description
- --------------   -----------

     12.1        Computation of Ratio of Earnings to Fixed Charges





<PAGE>

                                   SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.


                              FIRST TENNESSEE NATIONAL CORPORATION


Date: May 7, 2003             By: /s/ Charles G. Burkett
                                  ---------------------------------------
                              Name: Charles G. Burkett
                                    -------------------------------------
                              Title: President-Retail Financial Services/
                                     Memphis Financial Services
                                     ------------------------------------





<PAGE>

                                  EXHIBIT INDEX

Exhibit
 Number   Description
- -------   -----------

  12.1    Computation of Ratio of Earnings to Fixed Charges.


</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-12
<SEQUENCE>3
<FILENAME>ex12-1.txt
<DESCRIPTION>EXHIBIT 12.1
<TEXT>

<PAGE>

                                                                    EXHIBIT 12.1

                      FIRST TENNESSEE NATIONAL CORPORATION
                COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES
                        (WITHOUT INTEREST ON DEPOSITS)
                             (DOLLARS IN THOUSANDS)
                                   (UNAUDITED)

<TABLE>
<CAPTION>
                                                                 2002         2001         2000         1999         1998
                                                               --------     --------     --------     --------     --------
<S>                                                            <C>          <C>          <C>          <C>          <C>
Earnings (as defined in Item 503 of Regulation S-K):
   Earnings before income taxes and equity in
     undistributed net income (loss) of subsidiaries           $552,166     $484,258     $335,830     $379,260     $352,922
   Fixed charges excluding capitalized interest                 128,774      204,932      292,622      243,831      235,949
   Amortization of capitalized interest                           3,748        3,606        3,606        2,095          169
   Distributed income of equity investees                         4,871          352            -            -            -
                                                               --------     --------     --------     --------     --------
      Earnings as defined                                      $689,559     $693,148     $632,058     $625,186     $589,040
                                                               ========     ========     ========     ========     ========

 Fixed charges (as defined in Item 503 of Regulation S-K):
   Interest expense                                            $ 96,241     $175,694     $264,265     $217,921     $216,603
   Capitalized interest                                           7,613          844           54        3,445       14,796
   Amortization of debt issue costs                                  76           76           76           71           71
   Estimate of interest component of rental expense net of
     income from subleases                                       19,823       16,557       19,033       17,769       11,205
   Trust preferred security expense                               8,070        8,070        8,070        8,070        8,070
   Preferred security dividends                                   4,564        4,535        1,178            -            -
                                                               --------     --------     --------     --------     --------
      Fixed charges as defined                                 $136,387     $205,776     $292,676     $247,276     $250,745
                                                               ========     ========     ========     ========     ========

Ratio of earnings to fixed charges                                 5.06x        3.37x        2.16x        2.53x        2.35x
                                                               ========     ========     ========     ========     ========
</TABLE>



<PAGE>


                      FIRST TENNESSEE NATIONAL CORPORATION
                COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES
                          (WITH INTEREST ON DEPOSITS)
                             (DOLLARS IN THOUSANDS)
                                   (UNAUDITED)

<TABLE>
<CAPTION>
                                                               2002          2001          2000          1999        1998
                                                             --------    ----------    ----------    ----------    --------
<S>                                                          <C>         <C>           <C>           <C>           <C>
Earnings (as defined in Item 503 of Regulation S-K):
   Earnings before income taxes and equity in
     undistributed net income (loss) of subsidiaries         $552,166    $  484,258    $  335,830    $  379,260    $352,922
   Fixed charges excluding capitalized interest               319,114       541,834       793,052       643,564     612,584
   Amortization of capitalized interest                         3,748         3,606         3,606         2,095         169
   Distributed income of equity investees                       4,871           352             -             -           -
                                                             --------    ----------    ----------    ----------    --------
      Earnings as defined                                    $879,899    $1,030,050    $1,132,488    $1,024,919    $965,675
                                                             ========    ==========    ==========    ==========    ========

Fixed charges (as defined in Item 503 of Regulation S-K):
   Interest expense                                          $286,581    $  512,596    $  764,695    $  617,654    $593,238
   Capitalized interest                                         7,613           844            54         3,445      14,796
   Amortization of debt issue costs                                76            76            76            71          71
   Estimate of interest component of rental expense net
     of income from subleases                                  19,823        16,557        19,033        17,769      11,205
   Trust preferred security expense                             8,070         8,070         8,070         8,070       8,070
   Preferred security dividends                                 4,564         4,535         1,178             -           -
                                                             --------    ----------    ----------    ----------    --------
      Fixed charges as defined                               $326,727    $  542,678    $  793,106    $  647,009    $627,380
                                                             ========    ==========    ==========    ==========    ========

Ratio of earnings to fixed charges                               2.69x         1.90x         1.43x         1.58x       1.54x
                                                             ========    ==========    ==========    ==========    ========
</TABLE>




</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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