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American National Bank

Holstein, IA · Cert 33993

FDIC

Q3 2010

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 2010, the quarter ended September 30, 2010, 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

American National Bank

Holstein, IA · Cert 33993

FDIC

Q3 2010

$224.7MAssets
$187.8MLoans
$173.4MDeposits
$23.5MEquity
Deposit mix
91%Interest-bearing $158.5M9%Noninterest $14.9MQ3 2009Q3 2010

NIM

6.67%Q3 ’085.97%Q3 ’095.57%Q3 ’10+3%+5%

Non-interest income vs. expense

1.48%Q3 ’081.84%Q3 ’092.15%Q3 ’10+38%+41%

Executive Summary

  • Earnings: ROA of -0.31%, down 56 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.99%.
  • Funding: loans stand at 108.28% of deposits as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

-0.31%-56 bps YoY

Net Interest Margin (YTD, annualized)

3.78%+17 bps YoY

Efficiency Ratio (YTD, annualized)

50.61%+748 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets0.25%0.33%0.52%0.68%-0.31%-56 bps
Return on Equity3.03%3.93%5.56%7.03%-3.16%-619 bps
Net Interest Margin3.61%3.72%3.56%3.61%3.78%+17 bps
Efficiency Ratio43.14%44.03%50.81%50.83%50.61%+748 bps
Non-Interest Burden1.20%1.32%1.64%1.62%1.70%+49 bps
Growth
Asset Growth (YoY)-7.83%-11.71%-13.90%-13.35%-18.23%-1,039 bps
Loan Growth (YoY)-8.85%-14.37%-17.88%-20.15%-20.54%-1,169 bps
Deposit Growth (YoY)-8.93%-14.41%-15.10%-11.75%-16.63%-769 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.40%2.10%0.73%1.42%1.99%-41 bps
Allowance / Loans1.73%1.91%2.22%2.17%2.01%+28 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 Capital11.17%11.53%12.70%14.01%13.75%+258 bps
Equity / Assets8.63%9.23%9.58%10.28%10.46%+183 bps
Liquidity & Funding
Loans / Deposits113.61%117.26%109.14%103.38%108.28%-533 bps
Liquid Assets / Assets9.34%7.19%12.94%13.51%9.56%+22 bps
CRE / Total Capitaln/an/an/an/an/an/an/a