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Letter portraitLegal landscapeQuarterYTD

American National Bank of Kimball, The

Kimball, NE · Cert 5423

FDIC

Q2 2002

$45.4MAssets
$25.5MLoans
$38.0MDeposits
$6.5MEquity
Deposit mix
89%Interest-bearing $33.6M11%Noninterest $4.3MQ2 2001Q2 2002

NIM

7.08%Q1 ’017.21%Q2 ’016.02%Q2 ’02+3%+3%

Non-interest income vs. expense

2.74%Q1 ’012.80%Q2 ’012.02%Q2 ’020%-31%

Executive Summary

  • Earnings: ROA of 1.68%, up 77 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 67.20% of deposits as of Q2 2002.

Financial Results

Return on Assets (YTD, annualized)

1.68%+77 bps YoY

Net Interest Margin (YTD, annualized)

3.66%+10 bps YoY

Efficiency Ratio (YTD, annualized)

49.57%-1,990 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets0.91%0.88%0.95%1.46%1.68%+77 bps
Return on Equityn/an/an/a10.35%11.87%n/a
Net Interest Margin3.56%3.64%3.62%3.55%3.66%+10 bps
Efficiency Ratio69.47%69.59%66.88%55.10%49.57%-1,990 bps
Non-Interest Burden2.33%2.39%2.27%1.80%1.60%-73 bps
Growth
Asset Growth (YoY)-10.07%-6.52%-5.68%-3.18%1.21%+1,128 bps
Loan Growth (YoY)3.66%6.63%14.28%-1.80%7.21%+356 bps
Deposit Growth (YoY)-11.39%-7.49%-6.03%-3.10%0.75%+1,214 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.03%0.02%0.02%0.04%0.09%+11 bps
Allowance / Loans1.60%1.60%1.62%1.74%1.54%-6 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 Capital10.83%10.45%12.46%12.16%12.00%+117 bps
Equity / Assets14.98%14.61%14.20%14.08%14.29%-69 bps
Liquidity & Funding
Loans / Deposits63.15%63.27%63.10%58.56%67.20%+405 bps
Liquid Assets / Assets18.58%17.35%19.10%18.10%19.84%+126 bps
CRE / Total Capitaln/an/an/an/an/an/an/a