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First American Bank

Decatur, AL · Cert 23577

FDIC

Q1 2008

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: Q1 2008, the quarter ended March 31, 2008, 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 2026-10-10

First American Bank

Decatur, AL · Cert 23577

FDIC

Q1 2008

$3.6BAssets
$2.6BLoans
$2.3BDeposits
$280.1MEquity
Loan mix
87%RE $1.6B13%C&I $0.2B0%Consumer $0.0BQ1 2007Q1 2008
Deposit mix
88%Interest-bearing $2.0B12%Noninterest $0.3BQ1 2007Q1 2008

NIM

6.21%Q1 ’066.64%Q1 ’072.26%Q1 ’08-7%-61%

Non-interest income vs. expense

3.32%Q1 ’063.32%Q1 ’071.17%Q1 ’08+8%-69%

Executive Summary

  • Earnings: ROA of 0.53%, down 60 bps year over year; NIM at 1.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.36%.
  • Funding: loans stand at 114.61% of deposits as of Q1 2008.

Financial Results

Return on Assets (YTD, annualized)

0.53%-60 bps YoY

Net Interest Margin (YTD, annualized)

1.22%-190 bps YoY

Efficiency Ratio (YTD, annualized)

59.77%-627 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets1.13%1.26%1.31%1.29%0.53%-60 bps
Return on Equity14.04%15.88%16.67%16.59%6.92%-712 bps
Net Interest Margin3.13%3.10%3.09%3.03%1.22%-190 bps
Efficiency Ratio66.04%64.43%63.48%62.34%59.77%-627 bps
Non-Interest Burden1.44%1.31%1.27%1.18%0.44%-100 bps
Growth
Asset Growth (YoY)5.50%9.78%11.65%14.40%19.72%+1,422 bps
Loan Growth (YoY)6.56%10.88%15.74%18.16%18.96%+1,239 bps
Deposit Growth (YoY)7.76%13.23%16.00%14.50%8.53%+77 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.03%0.03%0.04%0.36%+33 bps
Allowance / Loans1.17%1.14%1.10%1.10%1.03%-14 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 Capital11.01%10.54%10.30%10.12%10.12%-89 bps
Equity / Assets8.09%7.59%7.66%7.58%7.78%-31 bps
Liquidity & Funding
Loans / Deposits104.56%104.58%109.40%108.23%114.61%+1,005 bps
Liquid Assets / Assets13.09%12.99%13.05%13.43%0.03%-1,306 bps
CRE / Total Capitaln/an/an/an/an/an/an/a