Safe & Sound » Bank Ratings » AMERICAN PATRIOT BANK


SAFE & SOUND® STAR RATINGS

AMERICAN PATRIOT BANK

3095 EAST ANDREW JOHNSON HIGHWAY
GREENEVILLE, Tennessee 37745

STAR RATING: 1 star
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 3010318




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$70,662$74,904$83,261
Loans Receivable, Net41,93343,95850,621
Mortgage-Backed Securities512617844
Investments1,9831,9392,003
Deposits68,71572,66880,730
Borrowings000
Equity1,4461,6541,975
Net Interest Income2,0802,4692,931
Fee Income121140163
Overhead2,8663,1143,268
Net Operating Income-745-257-89
Net Income-745-257-89
Ratio Analysis Profitability%%%
Return on Assets *-1.02-0.33-0.10
Operating Return on Assets *-1.02-0.33-0.10
Return on Equity *-49.01-12.83-4.52
Net Interest Margin *3.794.304.34
Fee Income / Assets *0.170.180.18
Overhead / Assets *3.944.023.70
Efficiency Ratio135.12109.00102.80
Asset Quality%%%
Nonperforming Assets / Assets17.2619.4918.10
Nonperforming Assets / Equity & Loss Reserves442.81497.31451.12
Loss Reserves / Nonperforming Loans37.3641.6648.15
1-4 Fam Mtg + MBS / Assets29.0428.5126.25
Commercial Real Estate Loans / Assets15.1516.0318.47
Construction Loans / Assets2.432.604.66
Commercial & Industrial Loans / Assets8.397.637.78
Consumer Loans / Assets1.291.111.26
Capitalization%%%
Equity / Assets2.052.212.37
Tangible Capital / Tangible Assets2.052.212.37
Risk-based Capital Ratio4.064.274.21
Liquidity%%%
Loans / Deposits61.0260.4962.70
Non-Interest Bearing Deposits / Deposits7.887.097.41
Purchased Liabilities3.483.102.98

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

Connect with us