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American 1

Jackson, MI · Charter 6675

Q3 2011

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 2011, the quarter ended September 30, 2011, 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: NCUA 5300 Call Report, 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 1

Jackson, MI · Charter 6675

Q3 2011

$244.7MAssets
$185.2MLoans
$211.5MShares
$29.2MNet Worth

Executive Summary

  • Earnings: ROA of 1.51%, up 70 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 1.88% of loans (-8 bps YoY).
  • Capital: net worth / assets of 11.94%, down 24 bps from a year ago.
  • Funding: loans stand at 87.59% of shares as of Q3 2011.

Return on Assets (YTD, annualized)

1.51%+70 bps YoY

Net Interest Margin (YTD, annualized)

3.66%-126 bps YoY

Efficiency Ratio (YTD, annualized)

65.82%+127 bps YoY

Net Worth / Assets

11.94%-24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q3 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets1.11%1.00%0.96%0.81%1.46%1.29%1.71%1.51%+70 bps
Return on Equity9.55%8.24%7.79%6.64%11.10%9.80%12.61%12.62%+598 bps
Net Interest Margin4.20%4.51%4.67%4.92%5.01%4.53%4.49%3.66%-126 bps
Efficiency Ratio67.47%67.98%65.81%64.55%62.71%68.79%65.61%65.82%+127 bps
Growth
Asset Growth (YoY)12.84%13.50%5.66%1.93%-0.32%10.11%11.60%37.46%+3,553 bps
Loan Growth (YoY)14.94%13.51%8.35%3.47%-3.66%-11.19%-3.14%33.21%+2,974 bps
Share Growth (YoY)14.07%14.47%6.24%1.24%-1.80%9.88%10.19%38.98%+3,774 bps
Asset Quality
Delinquent Loans / Loans2.16%2.60%2.42%1.96%2.33%1.96%1.60%1.88%-8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.77%1.88%2.20%2.27%2.41%2.52%2.33%1.72%-55 bps
Capital
Risk-Based Capital11.63%12.11%12.36%12.18%13.15%13.13%13.53%11.94%-24 bps
Net Worth / Assets11.63%12.11%12.36%12.18%13.15%13.13%13.53%11.94%-24 bps
Liquidity & Funding
Loans / Shares94.59%99.34%98.39%91.39%92.79%80.30%86.49%87.59%-379 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps