American Patriot Bank in Greeneville, Tennessee (TN)

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American Patriot Bank routing number info

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American Patriot Bank
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)33
Total assets$94,194
Cash and due from depository institutions$11,278
Interest-bearing balances$9,775
Federal funds sold & reverse repurchase agreements$2,052
Net loans & leases$59,502
Loan loss allowance $1,636
Trading account assets$0
Bank premises and fixed assets$4,667
Other real estate owned$10,160
Goodwill and other intangibles$0
All other assets$3,557
Life insurance assets$94,194
Total liabilities and capital$92,129
Total liabilities$91,336
Total deposits$85,883
Interest-bearing deposits$91,336
Deposits held in domestic offices$100
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $793
All other liabilities $2,065
Total equity capital$2,065
Total bank equity capital$2,065
Perpetual preferred stock$0
Common stock$765
Undivided profits $-6,763
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $6,061
Earning assets $0
Long-term assets (5+ years) $182
Average Assets, year-to-date $74,307
Average Assets, quarterly $9,917
Volatile liabilities $96,524
Insider loans $94,305
FHLB advances $72,116
Loans and leases held for sale $94,388
Unused loan commitments $2,617
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $2,040
Total risk weighted assets $2,617
Total unused commitments $0
Restructured Loans and leases $6,389
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,015
Total interest expense $1,112
Net interest income $2,903
Provision for loan and lease losses $12
Total noninterest income $56
Fiduciary activities $0
Service charges on deposit accounts $192
Trading account gains & fees $0
Additional noninterest income -$136
Total noninterest expense $4,059
Salaries and employee benefits $1,554
Premises and equipment expense $542
Additional noninterest expense $1,963
Pre-tax net operating income -$1,112
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items -$1,112
Extraordinary gains - net $0
Net income attributable to bank -$1,112
Net charge-offs $0
Cash dividends -$1,112
Sale, conversion, retirement of capital stock, net $1,332
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.05%
Cost of funding earning assets 1.40%
Net interest margin 3.65%
Noninterest income to earning assets 0.07%
Noninterest expense to earning assets 5.11%
Net operating income to assets -1.15%
Return on assets (ROA) -1.15%
Pretax return on assets -1.15%
Return on equity (ROE) -44.48%
Retained earnings to average equity (YTD only) -44.48%
Net charge-offs to loans 1.96%
Credit loss provision to net charge-offs 0.90%
Efficiency ratio-0.83%
Assets per employee$137,175
Cash dividends to net income (YTD only)2.85%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.68%
Noncurrent assets plus other real estate owned to assets 26.99%
Noncurrent loans to loans 17.22%
Net loans and leases to deposits9.91%
Net loans and leases to core deposits 65.15%
Equity capital to assets 67.28%
Core capital (leverage) ratio 2.19%
Tier 1 risk-based capital ratio 2.16%
Total risk-based capital ratio 2.83%
Average assets$4
Average earning assets$96,524
Average equity $2,500
Average loans $79,497
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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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