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Americaunited Bank and Trust Company USA

Schaumburg, IL · Cert 19418

FDIC

Q3 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2011, the quarter ended September 30, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Americaunited Bank and Trust Company USA

Schaumburg, IL · Cert 19418

FDIC

Q3 2011

$282.6MAssets
$201.2MLoans
$249.2MDeposits
$30.4MEquity
Loan mix
80%RE $130.6M18%C&I $29.4M1%Consumer $2.3MQ3 2010Q3 2011
Deposit mix
85%Interest-bearing $212.4M15%Noninterest $36.8MQ3 2010Q3 2011

NIM

4.88%Q3 ’094.32%Q3 ’104.30%Q3 ’11-12%+8%

Non-interest income vs. expense

2.48%Q3 ’092.63%Q3 ’103.48%Q3 ’11+14%+34%

Executive Summary

  • Earnings: ROA of -0.51%, up 35 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.50%.
  • Funding: loans stand at 80.73% of deposits as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-0.51%+35 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+28 bps YoY

Efficiency Ratio (YTD, annualized)

86.70%+1,609 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-0.86%-0.40%-1.45%-0.48%-0.51%+35 bps
Return on Equity-8.38%-3.92%-13.77%-4.54%-4.78%+360 bps
Net Interest Margin3.31%3.42%3.32%3.48%3.58%+28 bps
Efficiency Ratio70.61%70.60%79.74%84.49%86.70%+1,609 bps
Non-Interest Burden2.41%2.49%2.73%3.05%3.24%+83 bps
Growth
Asset Growth (YoY)-6.53%-7.00%-8.17%-10.57%-13.63%-710 bps
Loan Growth (YoY)-7.70%-7.18%-8.13%-10.33%-13.47%-576 bps
Deposit Growth (YoY)-0.23%-5.12%-6.87%-11.99%-14.89%-1,466 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.34%2.66%4.80%2.67%2.50%-84 bps
Allowance / Loans3.32%3.55%3.15%3.16%3.15%-17 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 Capital13.73%14.63%14.44%14.96%15.72%+199 bps
Equity / Assets10.00%10.54%10.51%10.78%10.75%+75 bps
Liquidity & Funding
Loans / Deposits79.40%84.41%84.26%85.16%80.73%+133 bps
Liquid Assets / Assets9.86%9.89%8.56%8.16%11.96%+210 bps
CRE / Total Capitaln/an/an/an/an/an/an/a