PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

American National Bank

Lincoln, NE · Cert 57156

FDIC

Q1 2003

$27.3MAssets
$13.1MLoans
$25.4MDeposits
$1.6MEquity
Loan mix
64%RE $4.8M33%C&I $2.5M2%Consumer $0.2MQ1 2002Q1 2003
Deposit mix
89%Interest-bearing $22.5M11%Noninterest $2.9MQ1 2002Q1 2003

NIM

6.10%Q1 ’016.23%Q1 ’024.57%Q1 ’03-16%-28%

Non-interest income vs. expense

45.71%Q1 ’013.40%Q1 ’022.71%Q1 ’03-93%-22%

Executive Summary

  • Earnings: ROA of -0.53%, up 29 bps year over year; NIM at 2.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.09%.
  • Funding: loans stand at 51.58% of deposits as of Q1 2003.

Financial Results

Return on Assets (quarter, annualized)

-0.53%+29 bps YoY

Net Interest Margin (quarter, annualized)

2.30%-89 bps YoY

Efficiency Ratio (quarter, annualized)

112.86%+851 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2002Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets-0.81%-0.65%-0.34%0.21%-0.53%+29 bps
Return on Equity-8.97%-8.04%-4.51%2.99%-8.25%+72 bps
Net Interest Margin3.19%2.91%2.73%2.52%2.30%-89 bps
Efficiency Ratio104.35%106.90%106.67%89.93%112.86%+851 bps
Non-Interest Burden3.33%3.11%2.92%2.25%2.61%-72 bps
Growth
Asset Growth (YoY)376%128.37%59.67%39.91%43.54%-33,287 bps
Loan Growth (YoY)777%357%53.67%8.55%-7.90%-78,455 bps
Deposit Growth (YoY)761%169.89%62.67%42.41%47.88%-71,279 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.79%-0.17%-0.09%2.36%-0.09%-88 bps
Allowance / Loans1.20%1.39%1.49%1.02%1.17%-3 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 Capital12.63%11.88%11.28%11.17%10.47%-216 bps
Equity / Assets8.32%7.96%7.14%7.09%5.78%-254 bps
Liquidity & Funding
Loans / Deposits82.82%78.09%71.68%63.48%51.58%-3,124 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a