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, 2013
Federal Reserve System Identifier 3010318




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$74,904$83,261$94,194
Loans Receivable, Net43,95850,62159,502
Mortgage-Backed Securities617844973
Investments1,9392,0032,005
Deposits72,66880,73091,336
Borrowings000
Equity1,6541,9752,065
Net Interest Income2,4692,9312,903
Fee Income140163192
Overhead3,1143,2684,359
Net Operating Income-257-89-1,112
Net Income-257-89-1,112
Ratio Analysis Profitability%%%
Return on Assets *-0.33-0.10-1.14
Operating Return on Assets *-0.33-0.10-1.14
Return on Equity *-12.83-4.52-47.35
Net Interest Margin *4.304.343.73
Fee Income / Assets *0.180.180.20
Overhead / Assets *4.023.704.49
Efficiency Ratio109.00102.80133.75
Asset Quality%%%
Nonperforming Assets / Assets19.4918.1017.22
Nonperforming Assets / Equity & Loss Reserves497.31451.12438.29
Loss Reserves / Nonperforming Loans41.6648.152.75
1-4 Fam Mtg + MBS / Assets28.5126.2527.85
Commercial Real Estate Loans / Assets16.0318.4716.84
Construction Loans / Assets2.604.666.20
Commercial & Industrial Loans / Assets7.637.788.23
Consumer Loans / Assets1.111.261.17
Capitalization%%%
Equity / Assets2.212.372.19
Tangible Capital / Tangible Assets2.212.372.19
Risk-based Capital Ratio4.274.214.09
Liquidity%%%
Loans / Deposits60.4962.7065.15
Non-Interest Bearing Deposits / Deposits7.097.415.97
Purchased Liabilities3.102.9819.17

* Calculations are based on the latest four quarters of income and expense.
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