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SAFE & SOUND® STAR RATINGS

AMERICAN TRUST BANK

2817 NORTH BALTIMORE
KIRKSVILLE, Missouri 63501

STAR RATING: 4 starstarstarstar
Predictive Indicator - (decline)
As of March 31, 2015
Federal Reserve System Identifier 3357947




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$63,414$60,254$58,830
Loans Receivable, Net46,54945,48645,605
Mortgage-Backed Securities8188137
Investments810504103
Deposits50,99148,52547,659
Borrowings5,5005,5005,500
Equity5,9776,0535,534
Net Interest Income5022,0392,037
Fee Income30138118
Overhead3331,3771,419
Net Operating Income193820628
Net Income120519463
Ratio Analysis Profitability%%%
Return on Assets *0.770.870.81
Operating Return on Assets *1.291.381.10
Return on Equity *7.818.848.65
Net Interest Margin *3.473.573.74
Fee Income / Assets *0.220.230.21
Overhead / Assets *2.272.322.48
Efficiency Ratio61.9061.0664.62
Asset Quality%%%
Nonperforming Assets / Assets1.220.390.38
Nonperforming Assets / Equity & Loss Reserves11.603.453.60
Loss Reserves / Nonperforming Loans90.58297.42276.47
1-4 Fam Mtg + MBS / Assets25.7725.5125.09
Commercial Real Estate Loans / Assets20.0020.5019.04
Construction Loans / Assets1.791.432.06
Commercial & Industrial Loans / Assets2.552.834.03
Consumer Loans / Assets0.780.921.20
Capitalization%%%
Equity / Assets9.4310.059.41
Tangible Capital / Tangible Assets9.4310.059.41
Risk-based Capital Ratio15.5215.9814.79
Liquidity%%%
Loans / Deposits91.2993.7495.69
Non-Interest Bearing Deposits / Deposits7.828.708.17
Purchased Liabilities9.4310.3010.60

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