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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 March 31, 2016
Federal Reserve System Identifier 3357947




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$63,922$64,635$60,254
Loans Receivable, Net42,77445,35045,486
Mortgage-Backed Securities646788
Investments3,5122,292504
Deposits53,78252,71548,525
Borrowings3,5005,5005,500
Equity6,3876,2546,053
Net Interest Income4861,9982,039
Fee Income14112138
Overhead3721,3401,377
Net Operating Income192662820
Net Income120413519
Ratio Analysis Profitability%%%
Return on Assets *0.660.660.87
Operating Return on Assets *1.051.061.38
Return on Equity *6.656.768.84
Net Interest Margin *3.293.303.57
Fee Income / Assets *0.150.180.23
Overhead / Assets *2.192.152.32
Efficiency Ratio64.5862.5961.06
Asset Quality%%%
Nonperforming Assets / Assets0.180.300.39
Nonperforming Assets / Equity & Loss Reserves1.662.873.45
Loss Reserves / Nonperforming Loans6111.11283.08297.42
1-4 Fam Mtg + MBS / Assets26.6326.1525.51
Commercial Real Estate Loans / Assets17.0618.7120.50
Construction Loans / Assets1.371.261.43
Commercial & Industrial Loans / Assets2.182.542.83
Consumer Loans / Assets0.680.620.92
Capitalization%%%
Equity / Assets9.999.6810.05
Tangible Capital / Tangible Assets9.999.6810.05
Risk-based Capital Ratio18.4617.1915.98
Liquidity%%%
Loans / Deposits79.5386.0393.74
Non-Interest Bearing Deposits / Deposits8.157.818.70
Purchased Liabilities7.2710.2810.30

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