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American National Bank

Sac City, IA · Cert 35562

FDIC

Q3 2003

$29.9MAssets
$28.0MLoans
$26.2MDeposits
$2.2MEquity
Deposit mix
96%Interest-bearing $25.0M4%Noninterest $1.2MQ4 2001Q3 2003

Executive Summary

  • Earnings: ROA of 0.95%, up 54 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 106.80% of deposits as of Q3 2003.

Return on Assets (YTD, annualized)

0.95%+54 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+82 bps YoY

Efficiency Ratio (YTD, annualized)

48.10%-1,749 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.21%Q3 ’015.81%Q3 ’026.17%Q3 ’03+21%+34%

Non-interest income vs. expense

1.69%Q3 ’011.91%Q3 ’021.83%Q3 ’03-2%-10%

Year to date, annualized, through each quarter.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets0.24%0.23%0.43%0.41%0.46%0.71%1.04%0.95%+54 bps
Return on Equityn/a2.72%5.19%5.16%5.73%9.80%13.84%12.74%+758 bps
Net Interest Margin1.98%2.41%2.48%2.46%2.45%2.89%3.17%3.28%+82 bps
Efficiency Ratio78.46%77.42%67.15%65.60%62.20%49.78%44.53%48.10%-1,749 bps
Non-Interest Burden1.47%1.76%1.53%1.45%1.33%1.13%1.11%1.30%-15 bps
Growth
Asset Growth (YoY)66.36%35.94%20.74%21.32%22.20%23.14%12.72%12.79%-853 bps
Loan Growth (YoY)68.30%29.81%17.73%13.85%16.91%12.58%14.19%22.46%+861 bps
Deposit Growth (YoY)67.35%54.81%30.86%23.32%18.61%23.94%35.34%20.33%-300 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.02%0.01%0.13%0.10%0.13%0.09%0.10%-2 bps
Allowance / Loans0.65%0.68%0.75%0.78%0.97%1.05%1.12%1.12%+34 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital10.53%10.15%10.25%10.03%10.51%10.14%10.57%10.08%+5 bps
Equity / Assets8.84%7.96%8.04%7.46%7.66%6.97%7.88%7.39%-7 bps
Liquidity & Funding
Loans / Deposits107.27%105.77%120.86%104.93%105.72%96.07%101.97%106.80%+187 bps
Liquid Assets / Assets1.36%1.22%3.26%8.83%1.57%1.39%1.12%2.74%-609 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a