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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, 2015
Federal Reserve System Identifier 3357947




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$64,635$60,254$58,830
Loans Receivable, Net45,35045,48645,605
Mortgage-Backed Securities6788137
Investments2,292504103
Deposits52,71548,52547,659
Borrowings5,5005,5005,500
Equity6,2546,0535,534
Net Interest Income1,9982,0392,037
Fee Income112138118
Overhead1,3401,3771,419
Net Operating Income662820628
Net Income413519463
Ratio Analysis Profitability%%%
Return on Assets *0.660.870.81
Operating Return on Assets *1.061.381.10
Return on Equity *6.768.848.65
Net Interest Margin *3.303.573.74
Fee Income / Assets *0.180.230.21
Overhead / Assets *2.152.322.48
Efficiency Ratio62.5961.0664.62
Asset Quality%%%
Nonperforming Assets / Assets0.300.390.38
Nonperforming Assets / Equity & Loss Reserves2.873.453.60
Loss Reserves / Nonperforming Loans283.08297.42276.47
1-4 Fam Mtg + MBS / Assets26.1525.5125.09
Commercial Real Estate Loans / Assets18.7120.5019.04
Construction Loans / Assets1.261.432.06
Commercial & Industrial Loans / Assets2.542.834.03
Consumer Loans / Assets0.620.921.20
Capitalization%%%
Equity / Assets9.6810.059.41
Tangible Capital / Tangible Assets9.6810.059.41
Risk-based Capital Ratio17.1915.9814.79
Liquidity%%%
Loans / Deposits86.0393.7495.69
Non-Interest Bearing Deposits / Deposits7.818.708.17
Purchased Liabilities10.2810.3010.60

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