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American Trust Bank of East Tennessee

Lenoir City, TN · Cert 57689

FDIC · 4 branches

Q3 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2016, the quarter ended September 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

American Trust Bank of East Tennessee

Lenoir City, TN · Cert 57689

FDIC · 4 branches

Q3 2016

$142.0MAssets
$94.2MLoans
$117.4MDeposits
$18.6MEquity
Loan mix
80%RE $62.3M18%C&I $14.1M2%Consumer $1.6MQ3 2015Q3 2016
Deposit mix
84%Interest-bearing $98.1M16%Noninterest $19.3MQ3 2015Q3 2016

NIM

4.50%Q3 ’144.55%Q3 ’154.14%Q3 ’16+1%-11%

Non-interest income vs. expense

2.99%Q3 ’143.07%Q3 ’152.95%Q3 ’16+5%-2%

Market Position · Knoxville, TN · 2016 SOD (annual) · 0.7% share · #21 of 50 inst. · $0.1B of $16.3B

9.4% Campbell
5.6% Loudon
0.3% Knox

Executive Summary

  • Earnings: ROA of 1.30%, up 49 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 1.77%.
  • Capital: tier 1 leverage ratio of 13.07%, up 68 bps from a year ago.
  • Funding: loans stand at 80.17% of deposits as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

1.30%+49 bps YoY

Net Interest Margin (YTD, annualized)

3.63%-43 bps YoY

Efficiency Ratio (YTD, annualized)

75.17%+586 bps YoY

Tier 1 Leverage Ratio

13.07%+68 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.81%0.70%1.95%1.69%1.30%+49 bps
Return on Equity6.58%5.72%15.57%13.23%10.12%+354 bps
Net Interest Margin4.06%3.94%3.68%3.71%3.63%-43 bps
Efficiency Ratio69.31%73.14%77.64%74.15%75.17%+586 bps
Non-Interest Burden2.70%2.78%2.82%2.67%2.65%-5 bps
Growth
Asset Growth (YoY)-0.97%1.63%2.98%4.32%3.21%+418 bps
Loan Growth (YoY)-6.56%-2.64%-2.25%-3.54%-5.43%+113 bps
Deposit Growth (YoY)2.01%0.63%1.48%1.18%1.02%-99 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.32%0.17%-2.86%-2.51%-1.77%-209 bps
Allowance / Loans1.05%1.13%1.10%1.33%1.46%+41 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.39%12.29%12.74%12.95%13.07%+68 bps
Total Risk-Based Capital17.62%16.78%16.99%18.99%20.03%+241 bps
Equity / Assets12.30%12.43%12.64%13.19%13.10%+80 bps
Liquidity & Funding
Loans / Deposits85.64%88.88%88.76%86.99%80.17%-547 bps
Liquid Assets / Assets1.34%1.19%1.17%1.23%1.35%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a