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SAFE & SOUND® STAR RATINGS

AMERICAN PATRIOT BANK

3095 EAST ANDREW JOHNSON HIGHWAY
GREENEVILLE, Tennessee 37745

STAR RATING: 1 star
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 3010318




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$62,578$64,732$70,662
Loans Receivable, Net38,32839,94441,933
Mortgage-Backed Securities356377512
Investments2,0031,9921,983
Deposits60,88662,90168,715
Borrowings000
Equity1,2771,3411,446
Net Interest Income4782,0992,080
Fee Income2499121
Overhead7653,0652,866
Net Operating Income-73-226-745
Net Income-73-226-745
Ratio Analysis Profitability%%%
Return on Assets *-0.24-0.34-1.02
Operating Return on Assets *-0.24-0.34-1.02
Return on Equity *-11.91-16.36-49.01
Net Interest Margin *4.264.223.79
Fee Income / Assets *0.150.150.17
Overhead / Assets *4.904.583.94
Efficiency Ratio110.55107.96135.12
Asset Quality%%%
Nonperforming Assets / Assets15.4715.2217.26
Nonperforming Assets / Equity & Loss Reserves481.64466.16442.81
Loss Reserves / Nonperforming Loans97.47113.8637.36
1-4 Fam Mtg + MBS / Assets30.0928.6329.04
Commercial Real Estate Loans / Assets13.3415.5615.15
Construction Loans / Assets3.293.362.43
Commercial & Industrial Loans / Assets9.139.388.39
Consumer Loans / Assets1.241.231.29
Capitalization%%%
Equity / Assets2.042.072.05
Tangible Capital / Tangible Assets2.042.072.05
Risk-based Capital Ratio4.144.214.06
Liquidity%%%
Loans / Deposits62.9563.5061.02
Non-Interest Bearing Deposits / Deposits8.347.347.88
Purchased Liabilities2.113.203.48

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