American Trust Bank (MO)

American Trust Bank (MO) is headquartered in Kirksville and is the 271^st largest bank in the state of Missouri. It is also the 6,326^th largest bank in the nation. It was established in 2005 and as of December of 2011, it had grown to 11 employees at 1 location. American Trust Bank (MO)'s savings rates are 25% higher than the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics American Trust Bank FDIC Certificate # 58076 BankRate Report View Year Established 2005 Employees 11 Primary Regulator FDIC Assets and Liabilities Assets $51.78 million Loans $36.88 million Deposits $41.47 million Equity Capital $4.71 million Loan Loss Allowance $528,000 Unbacked Noncurrent Loans $756,000 Historic Data - December 2010 Assets $40.47 million Equity Capital $3.25 million Loan Loss Allowance $338,000 Unbacked Noncurrent Loans $190,000 Profit Margin - Quarterly Net Interest Margin 4.16% Return on Assets 0.87% Return on Equity 9.98% Interest Income $2.40 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 American Trust Bank (MO) had $756,000 in non-current loans and owned real-estate with $5.24 million in equity and loan loss allowances on hand to cover it. This gives American Trust Bank (MO) a Texas Ratio of 14.43% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for American Trust Bank (MO) increased slightly from 5.29% as of December 31, 2010 to 14.43% as of December 31, 2011, resulting in a negative change of 172.60%. This indicates that the balance sheet and financial strength for American Trust Bank (MO) has declined slightly in recent periods. Deposit Growth In the past year, American Trust Bank (MO) has increased its total deposits by $8.88 million, resulting in 27.24% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth American Trust Bank (MO) has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. American Trust Bank (MO) has $51.78 million in assets with $5.24 million in equity, resulting in a capitalization level of 10.12%, which is above average.

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