American Patriot Bank in Greeneville, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

American Patriot Bank - Overview

  • General
  • FDIC Certificate #: 57169
    Status: Active
    Federal Reserve ID: 3010318
    Bank Holding Company (Regulatory Top Holder): American Patriot Financial Group, Inc. (RSSDID: 3218132, Location: Greeneville, TN)
    Date Established: July 09, 2001
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 358996
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: July 09, 2001
    Last Structure Change Effective Date: September 17, 2008
    Last Structure Change Process Date: September 17, 2008
    Last Data Update: September 17, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 3095 East Andrew Johnson Highway, Greeneville, TN 37745
    County: Greene
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Knoxville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Greeneville, TN (#24620)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $94.2 mil
    Equity capital: $2.1 mil
    Deposits held in domestic offices: $91.3 mil
    Return on assets (ROA): -1.15% (-$1.1 mil)
    Quarterly return on assets: -0.71% (-$0.7 mil)
    Return on Equity (ROE): -44.48% (-$0.9 mil)
    Quarterly return on equity: -31.32% (-$0.6 mil)
    Net income: -$1.1 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: -1.15% (-$1,083.2 mil)
    Quarterly Pretax return on assets: -0.71% (-$668.8 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 33Total employees (full-time equivalent)
  • $94,194Total assets
  • $11,278Cash and due from depository institutions
  • $9,775Interest-bearing balances
  • $2,978Securities
  • $2,052Federal funds sold & reverse repurchase agreements
  • $59,502Net loans & leases
  • $1,636Loan loss allowance
  • $0Trading account assets
  • $4,667Bank premises and fixed assets
  • $10,160Other real estate owned
  • $0Goodwill and other intangibles
  • $94,194Life insurance assets
  • $3,557All other assets
  • $92,129Total liabilities and capital
  • $91,336Total liabilities
  • $85,883Total deposits
  • $91,336Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $793Subordinated debt
  • $2,065All other liabilities
  • $2,065Total equity capital
  • $2,065Total bank equity capital
  • $0Perpetual preferred stock
  • $765Common stock
  • $8,063Surplus
  • $-6,763Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,061Income earned, not collected on loans
  • $0Earning assets
  • $182Long-term assets (5+ years)
  • $74,307Average Assets, year-to-date
  • $9,917Average Assets, quarterly
  • $96,524Volatile liabilities
  • $94,305Insider loans
  • $72,116FHLB advances
  • $94,388Loans and leases held for sale
  • $2,617Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,040Tier 2 risk-based capital
  • $2,617Total risk weighted assets
  • $0Total unused commitments
  • $6,389Restructured Loans and leases
  • $936Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,015Total interest income
  • $1,112Total interest expense
  • $2,903Net interest income
  • $12Provision for loan and lease losses
  • $56Total noninterest income
  • $0Fiduciary activities
  • $192Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$136Additional noninterest income
  • $4,059Total noninterest expense
  • $1,554Salaries and employee benefits
  • $542Premises and equipment expense
  • $1,963Additional noninterest expense
  • -$1,112Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$1,112Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,112Net income attributable to bank
  • $0Net charge-offs
  • -$1,112Cash dividends
  • $1,332Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.05%Yield on earning assets
  • 1.40%Cost of funding earning assets
  • 3.65%Net interest margin
  • 0.07%Noninterest income to earning assets
  • 5.11%Noninterest expense to earning assets
  • -1.15%Net operating income to assets
  • -1.15%Return on assets (ROA)
  • -1.15%Pretax return on assets
  • -44.48%Return on equity (ROE)
  • -44.48%Retained earnings to average equity (YTD only)
  • 1.96%Net charge-offs to loans
  • 0.90%Credit loss provision to net charge-offs
  • -0.83%Efficiency ratio
  • 137,175Assets per employee
  • 2.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.68%Loss allowance to noncurrent loans
  • 26.99%Noncurrent assets plus other real estate owned to assets
  • 17.22%Noncurrent loans to loans
  • 9.91%Net loans and leases to deposits
  • 65.15%Net loans and leases to core deposits
  • 67.28%Equity capital to assets
  • 2.19%Core capital (leverage) ratio
  • 2.16%Tier 1 risk-based capital ratio
  • 2.83%Total risk-based capital ratio
  • Memoranda
  • $4Average assets
  • $96,524Average earning assets
  • $2,500Average equity
  • $79,497Average loans

List of branches

  • 4 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0358996American Patriot Bank3095 East Andrew Johnson Highway, Greeneville, TN 37745July 09, 2001Full Service Brick and Mortar
    1362440Bank Of Greeneville Branch506 Asheville Highway, Greeneville, TN 37743October 17, 2001Full Service Brick and Mortar
    2362845Greene Mobile Branch3095 East Andrew Johnson Highway, Greeneville, TN 37745January 02, 2002Limited Service Mobile
    4451589Summer Street Branch208 Summer Street, Greeneville, TN 37743May 25, 2006Full Service Brick and Mortar

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