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SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN PATRIOT BANK
3095 EAST ANDREW JOHNSON HIGHWAY
GREENEVILLE, Tennessee 37745

STAR RATING: 1 star
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 3010318




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$83,261$94,194$100,107
Loans Receivable, Net50,62159,50276,716
Mortgage-Backed Securities844973471
Investments2,0032,0052,446
Deposits80,73091,33693,660
Borrowings002,625
Equity1,9752,0653,105
Net Interest Income2,9312,9033,207
Fee Income163192271
Overhead3,2684,3594,637
Net Operating Income-89-1,112-904
Net Income-89-1,112-1,169
Ratio Analysis Profitability%%%
Return on Assets *-0.10-1.14-1.07
Operating Return on Assets *-0.10-1.14-0.82
Return on Equity *-4.52-47.35-29.91
Net Interest Margin *4.343.733.50
Fee Income / Assets *0.180.200.25
Overhead / Assets *3.704.494.26
Efficiency Ratio102.8133.75114.69
Asset Quality%%%
Nonperforming Assets / Assets18.1017.2215.89
Nonperforming Assets / Equity & Loss Reserves451.12438.29262.50
Loss Reserves / Nonperforming Loans48.152.753.85
1-4 Fam Mtg + MBS / Assets26.2527.8529.82
Commercial Real Estate Loans / Assets18.4716.8421.20
Construction Loans / Assets4.666.208.88
Commercial & Industrial Loans / Assets7.788.2310.45
Consumer Loans / Assets1.261.171.37
Capitalization%%%
Equity / Assets2.372.193.10
Tangible Capital / Tangible Assets2.372.193.10
Risk-based Capital Ratio4.214.095.29
Liquidity%%%
Loans / Deposits62.7065.1581.91
Non-Interest Bearing Deposits / Deposits7.415.975.64
Purchased Liabilities2.9819.1719.32

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.43%
1 yr CD
0.62% 0.63%
5 yr CD
1.22% 1.24%
1 yr jumbo CD
0.65% 0.65%
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