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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 December 31, 2015
Federal Reserve System Identifier 3010318




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$64,732$70,662$74,904
Loans Receivable, Net39,94441,93343,958
Mortgage-Backed Securities377512617
Investments1,9921,9831,939
Deposits62,90168,71572,668
Borrowings000
Equity1,3411,4461,654
Net Interest Income2,0992,0802,469
Fee Income99121140
Overhead3,0652,8663,114
Net Operating Income-226-745-257
Net Income-226-745-257
Ratio Analysis Profitability%%%
Return on Assets *-0.34-1.02-0.33
Operating Return on Assets *-0.34-1.02-0.33
Return on Equity *-16.36-49.01-12.83
Net Interest Margin *4.223.794.30
Fee Income / Assets *0.150.170.18
Overhead / Assets *4.583.944.02
Efficiency Ratio107.96135.12109.00
Asset Quality%%%
Nonperforming Assets / Assets15.2217.2619.49
Nonperforming Assets / Equity & Loss Reserves466.16442.81497.31
Loss Reserves / Nonperforming Loans113.8637.3641.66
1-4 Fam Mtg + MBS / Assets28.6329.0428.51
Commercial Real Estate Loans / Assets15.5615.1516.03
Construction Loans / Assets3.362.432.60
Commercial & Industrial Loans / Assets9.388.397.63
Consumer Loans / Assets1.231.291.11
Capitalization%%%
Equity / Assets2.072.052.21
Tangible Capital / Tangible Assets2.072.052.21
Risk-based Capital Ratio4.214.064.27
Liquidity%%%
Loans / Deposits63.5061.0260.49
Non-Interest Bearing Deposits / Deposits7.347.887.09
Purchased Liabilities3.203.483.10

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