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American Bank

Welsh, LA · Cert 19594

FDIC

Q3 2007

$58.4MAssets
$37.1MLoans
$47.5MDeposits
$10.4MEquity
Loan mix
45%RE $6.4M55%C&I $7.7M0%Consumer $0.0MQ3 2006Q3 2007
Deposit mix
68%Interest-bearing $32.5M32%Noninterest $15.1MQ3 2006Q3 2007

NIM

5.10%Q3 ’055.73%Q3 ’066.02%Q3 ’07+5%+4%

Non-interest income vs. expense

4.03%Q3 ’054.14%Q3 ’063.87%Q3 ’07+5%-4%

Executive Summary

  • Earnings: ROA of 1.22%, up 34 bps year over year; NIM at 4.47%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.08%.
  • Funding: loans stand at 78.06% of deposits as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

1.22%+34 bps YoY

Net Interest Margin (YTD, annualized)

4.47%+16 bps YoY

Efficiency Ratio (YTD, annualized)

69.26%-496 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets0.89%1.22%1.13%1.15%1.22%+34 bps
Return on Equity5.38%7.33%6.71%6.90%7.20%+182 bps
Net Interest Margin4.32%4.61%4.52%4.39%4.47%+16 bps
Efficiency Ratio74.22%68.47%72.11%70.75%69.26%-496 bps
Non-Interest Burden2.88%2.70%2.91%2.77%2.75%-12 bps
Growth
Asset Growth (YoY)8.36%-7.87%0.85%0.62%-2.95%-1,131 bps
Loan Growth (YoY)1.22%-1.34%5.00%0.73%6.06%+485 bps
Deposit Growth (YoY)17.00%-5.32%0.42%0.46%-3.56%-2,057 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.51%0.38%-0.06%-0.09%-0.08%-59 bps
Allowance / Loans1.59%1.57%1.56%1.56%1.56%-3 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 Capital22.54%21.74%21.17%21.41%22.11%-43 bps
Equity / Assets16.93%17.38%16.31%16.48%17.75%+82 bps
Liquidity & Funding
Loans / Deposits70.98%77.95%71.25%72.24%78.06%+709 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a