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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

6.97%Q4 ’075.13%Q4 ’083.58%Q4 ’09-39%-9%

Non-interest income vs. expense

5.56%Q4 ’073.97%Q4 ’084.18%Q4 ’09+122%+3166%

Executive Summary

  • Earnings: ROA of -27.27%, down 2,753 bps year over year; NIM at 2.09%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 21.25%.
  • Funding: loans stand at 72.02% of deposits as of Q4 2009.

Financial Results

Return on Assets (quarter, annualized)

-27.27%-2,753 bps YoY

Net Interest Margin (quarter, annualized)

2.09%-21 bps YoY

Efficiency Ratio (quarter, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets0.26%-5.42%-5.35%-17.27%-27.27%-2,753 bps
Return on Equity2.46%-58.12%-67.08%-317%-1208%-121,025 bps
Net Interest Margin2.30%2.29%2.66%2.70%2.09%-21 bps
Efficiency Ratio67.31%n/a4519%n/an/an/a
Non-Interest Burden0.38%7.21%6.15%17.53%12.25%+1,188 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 / Loans1.63%0.68%0.52%1.11%21.25%+1,962 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