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SAFE & SOUND® STAR RATINGS

AMERICAN TRUST BANK

2817 NORTH BALTIMORE
KIRKSVILLE, Missouri 63501

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 3357947




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$60,254$58,830$56,858
Loans Receivable, Net45,48645,60538,882
Mortgage-Backed Securities88137221
Investments504103105
Deposits48,52547,65946,165
Borrowings5,5005,5005,500
Equity6,0535,5345,073
Net Interest Income2,0392,0371,885
Fee Income138118121
Overhead1,3771,4191,399
Net Operating Income820628520
Net Income519463383
Ratio Analysis Profitability%%%
Return on Assets *0.870.810.69
Operating Return on Assets *1.381.100.94
Return on Equity *8.848.657.98
Net Interest Margin *3.573.743.59
Fee Income / Assets *0.230.210.22
Overhead / Assets *2.322.482.52
Efficiency Ratio61.0664.6267.62
Asset Quality%%%
Nonperforming Assets / Assets0.390.380.39
Nonperforming Assets / Equity & Loss Reserves3.453.603.96
Loss Reserves / Nonperforming Loans297.42276.47261.16
1-4 Fam Mtg + MBS / Assets25.5125.0917.77
Commercial Real Estate Loans / Assets20.5019.0417.17
Construction Loans / Assets1.432.062.57
Commercial & Industrial Loans / Assets2.834.035.73
Consumer Loans / Assets0.921.201.92
Capitalization%%%
Equity / Assets10.059.418.92
Tangible Capital / Tangible Assets10.059.418.92
Risk-based Capital Ratio15.9814.7914.82
Liquidity%%%
Loans / Deposits93.7495.6984.22
Non-Interest Bearing Deposits / Deposits8.708.179.89
Purchased Liabilities10.3010.6010.09

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