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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 September 30, 2015
Federal Reserve System Identifier 3010318




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$65,923$70,662$74,904
Loans Receivable, Net41,37341,93343,958
Mortgage-Backed Securities411512617
Investments2,0001,9831,939
Deposits64,08368,71572,668
Borrowings000
Equity1,3471,4461,654
Net Interest Income1,5922,0802,469
Fee Income74121140
Overhead2,3112,8663,114
Net Operating Income-228-745-257
Net Income-228-745-257
Ratio Analysis Profitability%%%
Return on Assets *-0.41-1.02-0.33
Operating Return on Assets *-0.41-1.02-0.33
Return on Equity *-19.89-49.01-12.83
Net Interest Margin *4.073.794.30
Fee Income / Assets *0.150.170.18
Overhead / Assets *4.363.944.02
Efficiency Ratio110.95135.12109.00
Asset Quality%%%
Nonperforming Assets / Assets15.8617.2619.49
Nonperforming Assets / Equity & Loss Reserves465.21442.81497.31
Loss Reserves / Nonperforming Loans57.8337.3641.66
1-4 Fam Mtg + MBS / Assets29.5729.0428.51
Commercial Real Estate Loans / Assets14.0615.1516.03
Construction Loans / Assets2.532.432.60
Commercial & Industrial Loans / Assets11.818.397.63
Consumer Loans / Assets1.331.291.11
Capitalization%%%
Equity / Assets2.042.052.21
Tangible Capital / Tangible Assets2.042.052.21
Risk-based Capital Ratio4.124.064.27
Liquidity%%%
Loans / Deposits64.5661.0260.49
Non-Interest Bearing Deposits / Deposits7.137.887.09
Purchased Liabilities3.583.483.10

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