American Trust Bank in Kirksville, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

American Trust Bank - Overview

  • General
  • 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
    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
  • NoIDNameAddressEstablishedService TypeMap
    0438893American Trust Bank2817 North Baltimore, Kirksville, MO 63501October 24, 2005Full Service Brick and Mortar

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