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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, 2014
Federal Reserve System Identifier 3357947




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$60,733$58,830$56,858
Loans Receivable, Net45,42245,60538,882
Mortgage-Backed Securities96137221
Investments500103105
Deposits49,19647,65946,165
Borrowings5,5005,5005,500
Equity5,9175,5345,073
Net Interest Income1,5222,0371,885
Fee Income107118121
Overhead1,0371,4191,399
Net Operating Income604628520
Net Income386463383
Ratio Analysis Profitability%%%
Return on Assets *0.860.810.69
Operating Return on Assets *1.301.100.94
Return on Equity *8.978.657.98
Net Interest Margin *3.623.743.59
Fee Income / Assets *0.240.210.22
Overhead / Assets *2.352.482.52
Efficiency Ratio61.0464.6267.62
Asset Quality%%%
Nonperforming Assets / Assets0.540.380.39
Nonperforming Assets / Equity & Loss Reserves5.023.603.96
Loss Reserves / Nonperforming Loans199.09276.47261.16
1-4 Fam Mtg + MBS / Assets26.0625.0917.77
Commercial Real Estate Loans / Assets18.1419.0417.17
Construction Loans / Assets1.212.062.57
Commercial & Industrial Loans / Assets3.034.035.73
Consumer Loans / Assets0.931.201.92
Capitalization%%%
Equity / Assets9.749.418.92
Tangible Capital / Tangible Assets9.749.418.92
Risk-based Capital Ratio15.5714.7914.82
Liquidity%%%
Loans / Deposits92.3395.6984.22
Non-Interest Bearing Deposits / Deposits7.038.179.89
Purchased Liabilities11.5110.6010.09

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