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American Savings, Inc.

Farmington, MN · Cert 34549

FDIC

Q4 2007

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: Q4 2007, the quarter ended December 31, 2007, 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 Savings, Inc.

Farmington, MN · Cert 34549

FDIC

Q4 2007

$5.0MAssets
$1.4MLoans
$2.9MDeposits
$2.0MEquity
Loan mix
86%RE $853K14%C&I $142K0%Consumer $1KQ4 2006Q4 2007
Deposit mix
100%Interest-bearing $2.9M0%Noninterest $0.0MQ4 2006Q4 2007

NIM

6.33%Q4 ’058.25%Q4 ’065.65%Q4 ’07+90%-35%

Non-interest income vs. expense

1.62%Q4 ’055.85%Q4 ’064.53%Q4 ’07+252%-30%

Executive Summary

  • Earnings: ROA of 0.00%, up 30 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 1.41%.
  • Funding: loans stand at 48.43% of deposits as of Q4 2007.

Financial Results

Return on Assets (YTD, annualized)

0.00%+30 bps YoY

Net Interest Margin (YTD, annualized)

3.34%-180 bps YoY

Efficiency Ratio (YTD, annualized)

117.50%+644 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets-0.30%-2.27%-1.09%-1.04%0.00%+30 bps
Return on Equity-0.97%-4.56%-2.28%-2.32%0.00%+97 bps
Net Interest Margin5.13%3.99%3.83%3.54%3.34%-180 bps
Efficiency Ratio111.06%154.76%126.14%125.93%117.50%+644 bps
Non-Interest Burden5.71%6.29%4.87%4.49%4.01%-170 bps
Growth
Asset Growth (YoY)-82.29%14.30%29.14%41.27%30.58%+11,287 bps
Loan Growth (YoY)-75.04%-12.61%14.28%5.19%-55.27%+1,977 bps
Deposit Growth (YoY)-83.72%142.08%155.16%91.92%61.12%+14,485 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.06%0.00%0.00%-0.04%-1.41%-135 bps
Allowance / Loans6.38%6.58%5.36%5.63%13.20%+682 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 Capital67.83%67.82%56.33%54.55%114.63%+4,680 bps
Equity / Assets52.39%47.37%44.29%38.17%40.68%-1,171 bps
Liquidity & Funding
Loans / Deposits174.45%138.60%150.92%112.50%48.43%-12,602 bps
Liquid Assets / Assets0.36%5.05%2.42%19.15%60.18%+5,982 bps
CRE / Total Capitaln/an/an/an/an/an/an/a