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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 September 30, 2015
Federal Reserve System Identifier 3357947




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$62,483$60,254$58,830
Loans Receivable, Net46,35645,48645,605
Mortgage-Backed Securities7288137
Investments1,305504103
Deposits50,65248,52547,659
Borrowings5,5005,5005,500
Equity6,1656,0535,534
Net Interest Income1,4952,0392,037
Fee Income86138118
Overhead1,0171,3771,419
Net Operating Income500820628
Net Income312519463
Ratio Analysis Profitability%%%
Return on Assets *0.720.870.81
Operating Return on Assets *1.161.381.10
Return on Equity *7.358.848.65
Net Interest Margin *3.383.573.74
Fee Income / Assets *0.190.230.21
Overhead / Assets *2.202.322.48
Efficiency Ratio63.4861.0664.62
Asset Quality%%%
Nonperforming Assets / Assets0.680.390.38
Nonperforming Assets / Equity & Loss Reserves6.213.453.60
Loss Reserves / Nonperforming Loans150.24297.42276.47
1-4 Fam Mtg + MBS / Assets26.2625.5125.09
Commercial Real Estate Loans / Assets19.6220.5019.04
Construction Loans / Assets1.451.432.06
Commercial & Industrial Loans / Assets3.032.834.03
Consumer Loans / Assets0.670.921.20
Capitalization%%%
Equity / Assets9.8710.059.41
Tangible Capital / Tangible Assets9.8710.059.41
Risk-based Capital Ratio16.3415.9814.79
Liquidity%%%
Loans / Deposits91.5293.7495.69
Non-Interest Bearing Deposits / Deposits8.018.708.17
Purchased Liabilities10.6310.3010.60

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