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 September 30, 2014
Federal Reserve System Identifier 3010318




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$71,296$74,904$83,261
Loans Receivable, Net42,12543,95850,621
Mortgage-Backed Securities536617844
Investments1,9751,9392,003
Deposits69,29772,66880,730
Borrowings000
Equity1,4351,6541,975
Net Interest Income1,5792,4692,931
Fee Income93140163
Overhead2,1953,1143,268
Net Operating Income-693-257-89
Net Income-693-257-89
Ratio Analysis Profitability%%%
Return on Assets *-1.20-0.33-0.10
Operating Return on Assets *-1.20-0.33-0.10
Return on Equity *-51.06-12.83-4.52
Net Interest Margin *3.814.304.34
Fee Income / Assets *0.170.180.18
Overhead / Assets *3.904.023.70
Efficiency Ratio146.14109.00102.80
Asset Quality%%%
Nonperforming Assets / Assets18.5519.4918.10
Nonperforming Assets / Equity & Loss Reserves482.03497.31451.12
Loss Reserves / Nonperforming Loans36.3141.6648.15
1-4 Fam Mtg + MBS / Assets28.9128.5126.25
Commercial Real Estate Loans / Assets16.1516.0318.47
Construction Loans / Assets2.102.604.66
Commercial & Industrial Loans / Assets7.547.637.78
Consumer Loans / Assets1.311.111.26
Capitalization%%%
Equity / Assets2.012.212.37
Tangible Capital / Tangible Assets2.012.212.37
Risk-based Capital Ratio4.024.274.21
Liquidity%%%
Loans / Deposits60.7960.4962.70
Non-Interest Bearing Deposits / Deposits8.297.097.41
Purchased Liabilities3.593.102.98

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