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American National Bank

Parma, OH · Cert 18806

FDIC

Q4 2009

$70.3MAssets
$48.1MLoans
$66.8MDeposits
$560KEquity
Deposit mix
82%Interest-bearing $54.8M18%Noninterest $12.0MQ4 2008Q4 2009

NIM

6.64%Q4 ’074.55%Q4 ’084.37%Q4 ’09-46%+9%

Non-interest income vs. expense

5.28%Q4 ’073.61%Q4 ’083.72%Q4 ’09-60%+937%

Executive Summary

  • Earnings: ROA of -13.65%, down 1,420 bps year over year; NIM at 2.39%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 5.99%.
  • Funding: loans stand at 72.02% of deposits as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-13.65%-1,420 bps YoY

Net Interest Margin (YTD, annualized)

2.39%+20 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets0.55%-5.42%-5.36%-9.34%-13.65%-1,420 bps
Return on Equity4.30%-58.12%-62.25%-126.27%-220%-22,436 bps
Net Interest Margin2.19%2.29%2.47%2.56%2.39%+20 bps
Efficiency Ratio75.59%n/an/an/an/an/a
Non-Interest Burden1.02%7.21%6.66%10.31%10.60%+958 bps
Growth
Asset Growth (YoY)57.48%37.46%33.40%3.71%-13.10%-7,059 bps
Loan Growth (YoY)50.00%46.34%36.77%-2.92%-20.89%-7,089 bps
Deposit Growth (YoY)62.08%27.98%37.44%10.32%1.60%-6,048 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.86%0.68%0.59%0.85%5.99%+513 bps
Allowance / Loans1.13%1.11%1.53%2.44%3.45%+232 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 Capital16.64%14.85%12.91%7.20%1.84%-1,480 bps
Equity / Assets9.89%8.76%7.21%3.59%0.80%-909 bps
Liquidity & Funding
Loans / Deposits92.49%100.61%89.12%72.94%72.02%-2,047 bps
Liquid Assets / Assets0.00%0.67%0.91%0.28%18.49%+1,849 bps
CRE / Total Capitaln/an/an/an/an/an/an/a