FDIC Certificate #: 58076 Status: Active Federal Reserve ID: 3357947 Bank Holding Company (Regulatory Top Holder): Kirksville Bancorp, Inc. (RSSDID: 3357938, Location: Kirksville, MO) Date Established: October 24, 2005 WWW:http://www.atrustbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 438893 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: October 24, 2005 Last Structure Change Effective Date: October 18, 2007 Last Structure Change Process Date: October 30, 2007 Last Data Update: October 30, 2007 Data Source Date: April 05, 2012
Location
Address: 2817 North Baltimore, Kirksville, MO 63501 County: Adair Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Columbia Mo Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Kirksville, MO (#28860) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $51.8 mil Equity capital: $4.7 mil Deposits held in domestic offices: $41.5 mil Return on assets (ROA): 0.87% ($0.5 mil) Quarterly return on assets: 1.02% ($0.5 mil) Return on Equity (ROE): 9.98% ($0.5 mil) Quarterly return on equity: 11.19% ($0.6 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.28% ($662.8 mil) Quarterly Pretax return on assets: 1.46% ($756.0 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
11Total employees (full-time equivalent)
$51,784Total assets
$1,066Cash and due from depository institutions
$40Interest-bearing balances
$424Securities
$10,852Federal funds sold & reverse repurchase agreements
$36,875Net loans & leases
$528Loan loss allowance
$0Trading account assets
$1,233Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$51,784Life insurance assets
$1,334All other assets
$47,072Total liabilities and capital
$41,474Total liabilities
$38,203Total deposits
$41,474Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$5,500Trading liabilities
$0Other borrowed funds
$98Subordinated debt
$4,712All other liabilities
$4,712Total equity capital
$4,712Total bank equity capital
$0Perpetual preferred stock
$1,875Common stock
$3,645Surplus
$-808Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$756Income earned, not collected on loans
$0Earning assets
$595Long-term assets (5+ years)
$48,191Average Assets, year-to-date
$8,987Average Assets, quarterly
$46,127Volatile liabilities
$50,861Insider loans
$38,215FHLB advances
$50,734Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,458Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,669Restructured Loans and leases
$1,176Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,396Total interest income
$626Total interest expense
$1,770Net interest income
$167Provision for loan and lease losses
$105Total noninterest income
$0Fiduciary activities
$86Service charges on deposit accounts
$0Trading account gains & fees
$19Additional noninterest income
$1,118Total noninterest expense
$550Salaries and employee benefits
$170Premises and equipment expense
$398Additional noninterest expense
$590Pre-tax net operating income
$0Securities gains (losses)
$188Applicable income taxes
$402Income before extraordinary items
$0Extraordinary gains - net
$402Net income attributable to bank
$0Net charge-offs
$402Cash dividends
-$23Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.63%Yield on earning assets
1.47%Cost of funding earning assets
4.16%Net interest margin
0.25%Noninterest income to earning assets
2.62%Noninterest expense to earning assets
0.87%Net operating income to assets
0.87%Return on assets (ROA)
1.28%Pretax return on assets
9.98%Return on equity (ROE)
9.98%Retained earnings to average equity (YTD only)
-0.07%Net charge-offs to loans
-726.09%Credit loss provision to net charge-offs
0.00%Efficiency ratio
59,627Assets per employee
4.71%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.41%Loss allowance to noncurrent loans
69.84%Noncurrent assets plus other real estate owned to assets
1.46%Noncurrent loans to loans
2.02%Net loans and leases to deposits
88.91%Net loans and leases to core deposits
89.46%Equity capital to assets
9.10%Core capital (leverage) ratio
8.79%Tier 1 risk-based capital ratio
11.67%Total risk-based capital ratio
Memoranda
$13Average assets
$46,127Average earning assets
$4,026Average equity
$42,594Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
438893
American Trust Bank
2817 North Baltimore, Kirksville, MO 63501
October 24, 2005
Full Service Brick and Mortar
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