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Albion National Bank, The

Albion, NE · Cert 5372

FDIC

Q3 2005

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 2005, the quarter ended September 30, 2005, 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

Albion National Bank, The

Albion, NE · Cert 5372

FDIC

Q3 2005

$71.2MAssets
$39.1MLoans
$61.2MDeposits
$6.3MEquity
Loan mix
66%RE $9.8M34%C&I $5.0M0%Consumer $0.0MQ3 2004Q3 2005
Deposit mix
91%Interest-bearing $55.9M9%Noninterest $5.3MQ3 2004Q3 2005

NIM

5.28%Q3 ’034.97%Q3 ’045.02%Q3 ’05+3%-14%

Non-interest income vs. expense

2.33%Q3 ’032.50%Q3 ’042.23%Q3 ’05+4%-10%

Executive Summary

  • Earnings: ROA of 1.01%, down 20 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 63.96% of deposits as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

1.01%-20 bps YoY

Net Interest Margin (YTD, annualized)

2.94%-46 bps YoY

Efficiency Ratio (YTD, annualized)

63.75%+188 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets1.21%1.21%0.95%0.96%1.01%-20 bps
Return on Equity12.51%12.64%10.41%10.58%11.17%-134 bps
Net Interest Margin3.40%3.29%2.99%2.94%2.94%-46 bps
Efficiency Ratio61.86%61.48%66.72%65.30%63.75%+188 bps
Non-Interest Burden1.86%1.78%1.80%1.74%1.67%-19 bps
Growth
Asset Growth (YoY)1.04%2.08%14.36%15.29%11.70%+1,066 bps
Loan Growth (YoY)5.21%4.79%3.10%8.49%6.24%+102 bps
Deposit Growth (YoY)0.01%1.54%17.29%18.64%15.61%+1,560 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.24%0.20%0.15%-0.01%-0.01%-25 bps
Allowance / Loans1.51%1.55%1.67%1.60%1.46%-5 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 Capital15.89%16.51%17.09%16.53%15.49%-40 bps
Equity / Assets9.66%9.35%8.85%9.08%8.81%-85 bps
Liquidity & Funding
Loans / Deposits69.60%60.13%53.01%56.94%63.96%-564 bps
Liquid Assets / Assets18.26%16.21%16.09%16.28%15.71%-255 bps
CRE / Total Capitaln/an/an/an/an/an/an/a