American Trust Bank of East Tennessee

American Trust Bank of East Tennessee is headquartered in Knoxville and is the 131^st largest bank in the state of Tennessee. It is also the 4,054^th largest bank in the nation. It was established in 2004 and as of December of 2011, it had grown to 35 employees at 4 locations. American Trust Bank of East Tennessee has a 4-star health rating.

Data for Q4 2011

Institution Statistics American Trust Bank of East Tennessee FDIC Certificate # 57689 BankRate Report View Year Established 2004 Employees 35 Primary Regulator FDIC Assets and Liabilities Assets $138.75 million Loans $82.76 million Deposits $118.90 million Equity Capital $14.24 million Loan Loss Allowance $2.00 million Unbacked Noncurrent Loans $1.27 million Real Estate Owned $2.27 million Historic Data - December 2010 Assets $133.75 million Equity Capital $12.68 million Loan Loss Allowance $2.27 million Unbacked Noncurrent Loans $4.15 million Real Estate Owned $2.32 million Profit Margin - Quarterly Net Interest Margin 3.59% Return on Assets 0.34% Return on Equity 3.42% Interest Income $5.97 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 American Trust Bank of East Tennessee had $3.53 million in non-current loans and owned real-estate with $16.23 million in equity and loan loss allowances on hand to cover it. This gives American Trust Bank of East Tennessee a Texas Ratio of 21.77% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for American Trust Bank of East Tennessee decreased significantly from 43.31% as of December 31, 2010 to 21.77% as of December 31, 2011, resulting in a positive change of 49.74%.This indicates that the balance sheet and financial strength for American Trust Bank of East Tennessee has improved significantly in recent periods. Deposit Growth In the past year, American Trust Bank of East Tennessee has increased its total deposits by $2.91 million, resulting in 2.51% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth American Trust Bank of East Tennessee has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. American Trust Bank of East Tennessee has $138.75 million in assets with $16.23 million in equity, resulting in a capitalization level of 11.70%, which is above average.