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American Home Bank, National Association

Lancaster, PA · Cert 57174

FDIC

Q3 2008

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 2008, the quarter ended September 30, 2008, 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 Home Bank, National Association

Lancaster, PA · Cert 57174

FDIC

Q3 2008

$235.4MAssets
$190.4MLoans
$177.6MDeposits
$16.9MEquity
Loan mix
97%RE $182.0M2%C&I $4.3M0%Consumer $0.5MQ3 2007Q3 2008
Deposit mix
95%Interest-bearing $168.0M5%Noninterest $9.5MQ3 2007Q3 2008

NIM

5.78%Q3 ’065.65%Q3 ’076.12%Q3 ’08-26%+23%

Non-interest income vs. expense

8.61%Q3 ’068.13%Q3 ’0710.63%Q3 ’08+1%+6%

Executive Summary

  • Earnings: ROA of 0.04%, up 12 bps year over year; NIM at 2.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.18%.
  • Funding: loans stand at 107.22% of deposits as of Q3 2008.

Financial Results

Return on Assets (YTD, annualized)

0.04%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.11%+40 bps YoY

Efficiency Ratio (YTD, annualized)

98.02%-294 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets-0.08%-0.15%-0.28%0.04%0.04%+12 bps
Return on Equity-0.95%-1.82%-4.21%0.56%0.53%+148 bps
Net Interest Margin1.72%1.52%1.85%1.90%2.11%+40 bps
Efficiency Ratio100.96%102.61%100.94%98.16%98.02%-294 bps
Non-Interest Burden1.80%1.72%1.94%1.73%1.90%+10 bps
Growth
Asset Growth (YoY)12.83%46.36%50.10%42.19%7.24%-559 bps
Loan Growth (YoY)-7.34%71.64%61.16%47.64%40.29%+4,763 bps
Deposit Growth (YoY)2.65%16.59%41.91%31.91%4.26%+161 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.20%0.10%0.00%0.03%0.18%-3 bps
Allowance / Loans0.83%0.56%0.70%0.71%0.69%-14 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 Capital13.58%10.62%11.36%11.23%11.26%-232 bps
Equity / Assets7.67%6.38%6.81%6.30%7.19%-47 bps
Liquidity & Funding
Loans / Deposits79.68%124.05%100.23%95.04%107.22%+2,754 bps
Liquid Assets / Assets0.17%0.20%0.31%0.16%0.53%+36 bps
CRE / Total Capitaln/an/an/an/an/an/an/a