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 March 31, 2014
Federal Reserve System Identifier 3010318




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$74,286$74,904$83,261
Loans Receivable, Net44,02443,95850,621
Mortgage-Backed Securities602617844
Investments1,9521,9392,003
Deposits72,20472,66880,730
Borrowings000
Equity1,5431,6541,975
Net Interest Income5452,4692,931
Fee Income31140163
Overhead7123,1143,268
Net Operating Income-127-257-89
Net Income-127-257-89
Ratio Analysis Profitability%%%
Return on Assets *-0.95-0.33-0.10
Operating Return on Assets *-0.95-0.33-0.10
Return on Equity *-39.97-12.83-4.52
Net Interest Margin *4.174.304.34
Fee Income / Assets *0.180.180.18
Overhead / Assets *3.944.023.70
Efficiency Ratio121.71109.00102.80
Asset Quality%%%
Nonperforming Assets / Assets18.2619.4918.10
Nonperforming Assets / Equity & Loss Reserves478.62497.31451.12
Loss Reserves / Nonperforming Loans47.2541.6648.15
1-4 Fam Mtg + MBS / Assets28.5128.5126.25
Commercial Real Estate Loans / Assets16.6416.0318.47
Construction Loans / Assets2.562.604.66
Commercial & Industrial Loans / Assets7.417.637.78
Consumer Loans / Assets1.111.111.26
Capitalization%%%
Equity / Assets2.082.212.37
Tangible Capital / Tangible Assets2.082.212.37
Risk-based Capital Ratio4.064.274.21
Liquidity%%%
Loans / Deposits60.9760.4962.70
Non-Interest Bearing Deposits / Deposits7.647.097.41
Purchased Liabilities3.053.102.98

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