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American State Bank and Trust of Dickinson

Dickinson, ND · Cert 19115

FDIC

Q1 2009

$269.2MAssets
$196.7MLoans
$240.8MDeposits
$23.0MEquity
Loan mix
64%RE $72.8M34%C&I $39.0M1%Consumer $1.6MQ2 2007Q1 2009
Deposit mix
86%Interest-bearing $206.9M14%Noninterest $33.9MQ2 2007Q1 2009

Executive Summary

  • Earnings: ROA of 1.66%, up 10 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 1.29%.
  • Funding: loans stand at 81.69% of deposits as of Q1 2009.

Return on Assets (YTD, annualized)

1.66%+10 bps YoY

Net Interest Margin (YTD, annualized)

4.30%-1 bps YoY

Efficiency Ratio (YTD, annualized)

65.56%+49 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.73%Q1 ’076.62%Q1 ’085.47%Q1 ’09+20%0%

Non-interest income vs. expense

3.94%Q1 ’074.44%Q1 ’084.22%Q1 ’09+47%+7%

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009YoY ΔTrend
Earnings
Return on Assets0.61%0.53%0.75%1.57%1.44%1.49%1.43%1.66%+10 bps
Return on Equity7.85%6.69%9.26%17.60%16.13%16.77%16.51%20.07%+246 bps
Net Interest Margin3.58%3.59%3.72%4.31%4.56%4.47%4.21%4.30%-1 bps
Efficiency Ratio68.40%70.34%69.07%65.06%64.40%63.09%64.94%65.56%+49 bps
Non-Interest Burden1.79%1.93%1.95%2.04%2.19%1.94%1.96%2.17%+13 bps
Growth
Asset Growth (YoY)10.05%5.86%6.77%4.03%0.33%5.25%13.93%14.92%+1,089 bps
Loan Growth (YoY)6.64%3.72%7.82%9.03%2.26%8.73%6.93%18.80%+977 bps
Deposit Growth (YoY)15.73%5.14%8.98%10.11%4.50%10.74%19.73%15.41%+530 bps
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 / Loans0.37%2.65%1.99%0.19%0.08%0.02%0.04%-1.29%-148 bps
Allowance / Loans2.49%0.99%0.90%0.82%0.97%1.14%1.26%1.31%+48 bps
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 Capital10.70%11.04%11.24%11.05%11.45%10.82%11.10%10.98%-7 bps
Equity / Assets7.63%8.56%8.75%9.04%9.09%8.58%8.05%8.54%-51 bps
Liquidity & Funding
Loans / Deposits85.24%89.56%82.05%79.36%83.41%87.94%73.27%81.69%+233 bps
Liquid Assets / Assets0.27%0.08%0.06%0.05%0.05%0.03%0.02%0.04%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a