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 March 31, 2015
Federal Reserve System Identifier 3010318




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$67,318$70,662$74,904
Loans Receivable, Net41,59241,93343,958
Mortgage-Backed Securities482512617
Investments1,9911,9831,939
Deposits65,45468,71572,668
Borrowings000
Equity1,4321,4461,654
Net Interest Income5092,0802,469
Fee Income22121140
Overhead6262,8663,114
Net Operating Income-139-745-257
Net Income-139-745-257
Ratio Analysis Profitability%%%
Return on Assets *-1.06-1.02-0.33
Operating Return on Assets *-1.06-1.02-0.33
Return on Equity *-50.72-49.01-12.83
Net Interest Margin *3.813.794.30
Fee Income / Assets *0.160.170.18
Overhead / Assets *3.903.944.02
Efficiency Ratio128.54135.12109.00
Asset Quality%%%
Nonperforming Assets / Assets17.3417.2619.49
Nonperforming Assets / Equity & Loss Reserves448.16442.81497.31
Loss Reserves / Nonperforming Loans40.8237.3641.66
1-4 Fam Mtg + MBS / Assets30.0929.0428.51
Commercial Real Estate Loans / Assets17.3415.1516.03
Construction Loans / Assets2.372.432.60
Commercial & Industrial Loans / Assets7.418.397.63
Consumer Loans / Assets1.251.291.11
Capitalization%%%
Equity / Assets2.132.052.21
Tangible Capital / Tangible Assets2.132.052.21
Risk-based Capital Ratio4.184.064.27
Liquidity%%%
Loans / Deposits63.5461.0260.49
Non-Interest Bearing Deposits / Deposits9.167.887.09
Purchased Liabilities2.803.483.10

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

Connect with us