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Anderson Bank

Cincinnati, OH · Cert 34149

FDIC

Q3 2006

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 2006, the quarter ended September 30, 2006, 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

Anderson Bank

Cincinnati, OH · Cert 34149

FDIC

Q3 2006

$70.4MAssets
$55.2MLoans
$62.6MDeposits
$7.5MEquity
Loan mix
58%RE $25.0M42%C&I $18.0M0%Consumer $0.1MQ3 2005Q3 2006
Deposit mix
89%Interest-bearing $55.5M11%Noninterest $7.2MQ3 2005Q3 2006

NIM

4.64%Q3 ’045.88%Q3 ’056.78%Q3 ’06+27%+6%

Non-interest income vs. expense

2.36%Q3 ’042.50%Q3 ’052.58%Q3 ’06+6%+5%

Executive Summary

  • Earnings: ROA of 1.15%, up 15 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 88.19% of deposits as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

1.15%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.99%+23 bps YoY

Efficiency Ratio (YTD, annualized)

59.39%-87 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets1.00%1.07%1.14%1.12%1.15%+15 bps
Return on Equity10.75%11.36%11.45%11.05%11.26%+50 bps
Net Interest Margin3.77%3.81%4.09%4.03%3.99%+23 bps
Efficiency Ratio60.26%59.64%59.59%60.37%59.39%-87 bps
Non-Interest Burden2.17%2.14%2.34%2.34%2.28%+11 bps
Growth
Asset Growth (YoY)7.25%1.92%3.38%10.12%4.31%-294 bps
Loan Growth (YoY)2.76%-4.01%-2.69%-2.40%-7.92%-1,068 bps
Deposit Growth (YoY)17.33%8.15%7.95%13.18%4.61%-1,272 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.01%+1 bps
Allowance / Loans0.87%0.93%0.93%0.93%0.97%+10 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 Capital10.80%11.31%11.78%12.50%13.30%+249 bps
Equity / Assets9.43%9.79%10.13%10.40%10.67%+124 bps
Liquidity & Funding
Loans / Deposits100.19%95.46%96.83%92.02%88.19%-1,201 bps
Liquid Assets / Assets0.13%0.13%0.13%0.13%0.13%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a