SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN TRUST BANK
2817 NORTH BALTIMORE
KIRKSVILLE, Missouri 63501

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 3357947




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$58,715$58,830$56,858
Loans Receivable, Net44,22545,60538,882
Mortgage-Backed Securities121137221
Investments303103105
Deposits47,37447,65946,165
Borrowings5,5005,5005,500
Equity5,7085,5345,073
Net Interest Income5162,0371,885
Fee Income38118121
Overhead3461,4191,399
Net Operating Income237628520
Net Income175463383
Ratio Analysis Profitability%%%
Return on Assets *0.950.810.69
Operating Return on Assets *1.291.100.94
Return on Equity *10.008.657.98
Net Interest Margin *3.833.743.59
Fee Income / Assets *0.220.210.22
Overhead / Assets *2.422.482.52
Efficiency Ratio57.1964.6267.62
Asset Quality%%%
Nonperforming Assets / Assets0.760.380.39
Nonperforming Assets / Equity & Loss Reserves7.083.603.96
Loss Reserves / Nonperforming Loans141.43276.47261.16
1-4 Fam Mtg + MBS / Assets25.7525.0917.77
Commercial Real Estate Loans / Assets17.9119.0417.17
Construction Loans / Assets2.032.062.57
Commercial & Industrial Loans / Assets3.774.035.73
Consumer Loans / Assets1.191.201.92
Capitalization%%%
Equity / Assets9.729.418.92
Tangible Capital / Tangible Assets9.729.418.92
Risk-based Capital Ratio15.6814.7914.82
Liquidity%%%
Loans / Deposits93.3595.6984.22
Non-Interest Bearing Deposits / Deposits7.878.179.89
Purchased Liabilities11.0410.6010.09

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