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American National Bank

South Chicago He, IL · Cert 10882

FDIC

Q4 1995

$146.3MAssets
$85.5MLoans
$131.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.05%, up 16 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 65.04% of deposits as of Q4 1995.

Return on Assets (YTD, annualized)

1.05%+16 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1994Q2 1994Q3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets0.57%0.80%0.89%0.89%0.69%0.75%0.84%1.05%+16 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a6.51%7.25%4.78%7.30%n/a
Loan Growth (YoY)n/an/an/an/a8.41%6.85%14.15%14.37%n/a
Deposit Growth (YoY)n/an/an/an/a6.59%8.58%6.59%10.42%n/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits62.65%65.06%60.97%62.79%63.72%64.02%65.30%65.04%+225 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a