PackageTrendsPeer
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American State Bank

Lawrenceburg, IN · Cert 9645

FDIC

Q1 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: Q1 2005, the quarter ended March 31, 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

American State Bank

Lawrenceburg, IN · Cert 9645

FDIC

Q1 2005

$67.0MAssets
$43.8MLoans
$58.0MDeposits
$5.3MEquity
Deposit mix
85%Interest-bearing $49.6M15%Noninterest $8.5MQ1 2004Q1 2005

NIM

6.21%Q1 ’035.92%Q1 ’045.07%Q1 ’05+4%-22%

Non-interest income vs. expense

4.32%Q1 ’034.18%Q1 ’048.42%Q1 ’05-14%+169%

Executive Summary

  • Earnings: ROA of -6.36%, down 729 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.28%.
  • Funding: loans stand at 75.48% of deposits as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

-6.36%-729 bps YoY

Net Interest Margin (YTD, annualized)

3.52%-99 bps YoY

Efficiency Ratio (YTD, annualized)

195.20%+12,385 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets0.94%0.74%0.44%0.39%-6.36%-729 bps
Return on Equity11.81%9.61%5.53%4.86%-77.31%-8,912 bps
Net Interest Margin4.52%4.41%4.43%4.37%3.52%-99 bps
Efficiency Ratio71.35%75.49%76.08%79.93%195.20%+12,385 bps
Non-Interest Burden2.84%3.07%3.13%3.30%7.63%+479 bps
Growth
Asset Growth (YoY)3.97%4.62%9.10%10.09%-1.25%-523 bps
Loan Growth (YoY)14.71%2.02%-0.30%-5.64%-14.76%-2,946 bps
Deposit Growth (YoY)5.40%6.72%1.37%7.36%-1.50%-690 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.17%0.23%0.86%0.74%2.28%+211 bps
Allowance / Loans1.64%1.66%1.67%1.63%2.97%+133 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 Capital12.15%12.43%13.86%14.12%14.60%+246 bps
Equity / Assets7.64%7.34%8.34%8.47%7.97%+33 bps
Liquidity & Funding
Loans / Deposits87.21%82.11%89.11%84.97%75.48%-1,174 bps
Liquid Assets / Assets6.78%6.37%0.18%3.89%11.04%+426 bps
CRE / Total Capitaln/an/an/an/an/an/an/a