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American Trust Bank

Kirksville, MO · Cert 58076

FDIC · 5 branches

Q3 2023

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2023, the quarter ended September 30, 2023, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

American Trust Bank

Kirksville, MO · Cert 58076

FDIC · 5 branches

Q3 2023

$116.2MAssets
$100.6MLoans
$91.6MDeposits
$12.8MEquity
Loan mix
96%RE $87.9M2%C&I $1.9M2%Consumer $2.0MQ3 2022Q3 2023
Deposit mix
82%Interest-bearing $75.3M18%Noninterest $16.3MQ3 2022Q3 2023

NIM

4.39%Q3 ’214.05%Q3 ’221.39%Q3 ’23-8%-78%

Non-interest income vs. expense

2.86%Q3 ’212.71%Q3 ’220.74%Q3 ’23+3%-72%

Market Position · Columbia, MO · 2023 SOD (annual) · 0.7% share · #21 of 27 inst. · $0.0B of $6.3B

5.2% Adair
0.5% Boone
2.7% Cooper

Executive Summary

  • Earnings: ROA of -0.64%, down 158 bps year over year; NIM at 0.81%.
  • Asset quality: problem loans at 0.15% of loans (+15 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 7.88%, down 187 bps from a year ago.
  • Funding: loans stand at 109.80% of deposits as of Q3 2023.

Financial Results

Return on Assets (YTD, annualized)

-0.64%-158 bps YoY

Net Interest Margin (YTD, annualized)

0.81%-290 bps YoY

Efficiency Ratio (YTD, annualized)

68.87%+264 bps YoY

Tier 1 Leverage Ratio

7.88%-187 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2022Q4 2022Q1 2023Q2 2023Q3 2023YoY ΔTrend
Earnings
Return on Assets0.94%0.89%0.58%0.56%-0.64%-158 bps
Return on Equity8.45%8.29%5.95%5.64%-6.33%-1,478 bps
Net Interest Margin3.71%3.59%3.18%3.16%0.81%-290 bps
Efficiency Ratio66.23%66.78%72.87%73.96%68.87%+264 bps
Non-Interest Burden2.37%2.32%2.27%2.29%0.65%-172 bps
Growth
Asset Growth (YoY)16.03%15.45%22.54%14.51%8.68%-735 bps
Loan Growth (YoY)20.69%25.90%23.96%19.33%6.70%-1,399 bps
Deposit Growth (YoY)9.22%-0.92%1.13%-2.06%5.65%-357 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.05%0.15%+15 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.00%0.04%+3 bps
Allowance / Loans1.15%1.09%1.10%1.13%0.76%-39 bps
Allowance Coverage of NPLsn/an/an/a21.0x5.0xn/a
Capital
Tier 1 Leverage Ratio9.75%9.40%9.05%9.23%7.88%-187 bps
Total Risk-Based Capital9.75%9.40%9.05%9.23%11.05%+131 bps
Equity / Assets10.41%9.71%9.81%10.08%11.01%+59 bps
Liquidity & Funding
Loans / Deposits108.72%117.04%121.98%126.92%109.80%+108 bps
Liquid Assets / Assets0.05%0.02%0.08%0.20%0.85%+80 bps
CRE / Total Capitaln/an/an/an/an/an/an/a