SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN TRUST BANK
2817 NORTH BALTIMORE
KIRKSVILLE, Missouri 63501

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 3357947




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$58,830$56,858$51,784
Loans Receivable, Net45,60538,88236,875
Mortgage-Backed Securities137221320
Investments103105104
Deposits47,65946,16541,474
Borrowings5,5005,5005,500
Equity5,5345,0734,712
Net Interest Income2,0371,8851,770
Fee Income11812196
Overhead1,4191,3991,118
Net Operating Income628520590
Net Income463383402
Ratio Analysis Profitability%%%
Return on Assets *0.810.690.87
Operating Return on Assets *1.100.941.28
Return on Equity *8.657.989.46
Net Interest Margin *3.743.594.02
Fee Income / Assets *0.210.220.21
Overhead / Assets *2.482.522.43
Efficiency Ratio64.6267.6259.63
Asset Quality%%%
Nonperforming Assets / Assets0.380.391.46
Nonperforming Assets / Equity & Loss Reserves3.603.9614.43
Loss Reserves / Nonperforming Loans276.47261.161.43
1-4 Fam Mtg + MBS / Assets25.0917.7713.34
Commercial Real Estate Loans / Assets19.0417.1714.39
Construction Loans / Assets2.062.570.51
Commercial & Industrial Loans / Assets4.035.7311.87
Consumer Loans / Assets1.201.921.75
Capitalization%%%
Equity / Assets9.418.929.10
Tangible Capital / Tangible Assets9.418.929.10
Risk-based Capital Ratio14.7914.8212.92
Liquidity%%%
Loans / Deposits95.6984.2288.91
Non-Interest Bearing Deposits / Deposits8.179.897.89
Purchased Liabilities10.6010.0926.34

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