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American Trust & Savings Bank of Whiting, Indiana

Whiting, IN · Cert 13099

FDIC

Q1 2010

$118.8MAssets
$67.9MLoans
$99.0MDeposits
$9.6MEquity
Deposit mix
89%Interest-bearing $87.7M11%Noninterest $11.4MQ1 2009Q1 2010

NIM

4.99%Q1 ’084.46%Q1 ’094.25%Q1 ’10+6%-5%

Non-interest income vs. expense

3.49%Q1 ’083.82%Q1 ’094.55%Q1 ’10+15%+20%

Executive Summary

  • Earnings: ROA of -0.63%, down 72 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 4.03%.
  • Funding: loans stand at 68.60% of deposits as of Q1 2010.

Financial Results

Return on Assets (quarter, annualized)

-0.63%-72 bps YoY

Net Interest Margin (quarter, annualized)

2.87%-15 bps YoY

Efficiency Ratio (quarter, annualized)

112.81%+1,765 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets0.09%1-2.09%-1.47%-1.90%-0.63%-72 bps
Return on Equity1.12%-25.75%-17.71%-23.10%-7.76%-887 bps
Net Interest Margin3.02%3.02%2.94%2.81%2.87%-15 bps
Efficiency Ratio95.16%98.71%100.73%120.82%112.81%+1,765 bps
Non-Interest Burden2.83%2.96%2.97%3.61%3.39%+56 bps
Growth
Asset Growth (YoY)2.50%-8.78%-11.87%-13.93%-15.78%-1,828 bps
Loan Growth (YoY)0.34%-8.84%-12.18%-18.59%-18.65%-1,899 bps
Deposit Growth (YoY)2.26%-12.43%-14.94%-15.27%-17.34%-1,960 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%1.80%2.24%0.41%4.03%+402 bps
Allowance / Loans0.98%1.61%1.79%2.32%1.49%+52 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital13.79%13.99%13.72%13.65%13.79%+1 bps
Equity / Assets8.01%8.27%8.36%8.10%8.12%+11 bps
Liquidity & Funding
Loans / Deposits69.71%75.59%75.65%72.10%68.60%-111 bps
Liquid Assets / Assets0.14%0.10%0.23%0.24%0.34%+20 bps
CRE / Total Capitaln/an/an/an/an/an/an/a