SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN TRUST BANK
2817 NORTH BALTIMORE
KIRKSVILLE, Missouri 63501

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 3357947




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$59,609$58,830$56,858
Loans Receivable, Net45,32545,60538,882
Mortgage-Backed Securities108137221
Investments503103105
Deposits48,19647,65946,165
Borrowings5,5005,5005,500
Equity5,8125,5345,073
Net Interest Income1,0152,0371,885
Fee Income69118121
Overhead6901,4191,399
Net Operating Income425628520
Net Income279463383
Ratio Analysis Profitability%%%
Return on Assets *0.880.810.69
Operating Return on Assets *1.271.100.94
Return on Equity *9.118.657.98
Net Interest Margin *3.713.743.59
Fee Income / Assets *0.230.210.22
Overhead / Assets *2.362.482.52
Efficiency Ratio60.2664.6267.62
Asset Quality%%%
Nonperforming Assets / Assets0.620.380.39
Nonperforming Assets / Equity & Loss Reserves5.753.603.96
Loss Reserves / Nonperforming Loans171.16276.47261.16
1-4 Fam Mtg + MBS / Assets27.0325.0917.77
Commercial Real Estate Loans / Assets17.4019.0417.17
Construction Loans / Assets1.202.062.57
Commercial & Industrial Loans / Assets3.474.035.73
Consumer Loans / Assets1.041.201.92
Capitalization%%%
Equity / Assets9.759.418.92
Tangible Capital / Tangible Assets9.759.418.92
Risk-based Capital Ratio16.0614.7914.82
Liquidity%%%
Loans / Deposits94.0495.6984.22
Non-Interest Bearing Deposits / Deposits8.578.179.89
Purchased Liabilities11.7310.6010.09

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