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 June 30, 2014
Federal Reserve System Identifier 3010318




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$71,912$74,904$83,261
Loans Receivable, Net43,11443,95850,621
Mortgage-Backed Securities577617844
Investments1,9791,9392,003
Deposits69,72872,66880,730
Borrowings000
Equity1,6571,6541,975
Net Interest Income1,0832,4692,931
Fee Income60140163
Overhead1,4433,1143,268
Net Operating Income-276-257-89
Net Income-276-257-89
Ratio Analysis Profitability%%%
Return on Assets *-1.05-0.33-0.10
Operating Return on Assets *-1.05-0.33-0.10
Return on Equity *-46.72-12.83-4.52
Net Interest Margin *3.994.304.34
Fee Income / Assets *0.180.180.18
Overhead / Assets *3.934.023.70
Efficiency Ratio123.65109.00102.80
Asset Quality%%%
Nonperforming Assets / Assets18.4719.4918.10
Nonperforming Assets / Equity & Loss Reserves449.29497.31451.12
Loss Reserves / Nonperforming Loans42.1141.6648.15
1-4 Fam Mtg + MBS / Assets29.0128.5126.25
Commercial Real Estate Loans / Assets16.7916.0318.47
Construction Loans / Assets2.302.604.66
Commercial & Industrial Loans / Assets7.747.637.78
Consumer Loans / Assets1.211.111.26
Capitalization%%%
Equity / Assets2.302.212.37
Tangible Capital / Tangible Assets2.302.212.37
Risk-based Capital Ratio4.334.274.21
Liquidity%%%
Loans / Deposits61.8360.4962.70
Non-Interest Bearing Deposits / Deposits7.667.097.41
Purchased Liabilities3.543.102.98

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