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Failed Bank History Report
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This institution did not file a CALL/TFR in the most recent FFIEC reporting cycle.
The most recent data available in our database is shown.
American United Bank, member of holding company AMERICAN UNITED BANCORP, INC.
as of September-2009
1888 OLD NORCROSS ROAD LAWRENCEVILLE, GA, 30044
Data Source: IRA Bank Monitor.  Data in thousands unless otherwise noted.  Copyright 2003-2009 Lord, Whalen LLC All Rights Reserved
Historical Performance Table



IRA Bank Stress Benchmarks
Grade
Stress Index Number
ROE, %
Efficiency Ratio
Goodwill Writedowns

Capital Ratios
T1/RWA
RBC/RWA
T1/ASSET

Basel II Benchmarks
Bond Equivalent Defaults, Method 1
B.E.D., Method 2
Default Rate, bp
LGD: Loss Given Default, %
M: Wt. Avg. Maturity, yr
EAD: Exposure At Default, %

Economic Capital Analysis
EC
RAROC, %
Tier 1 RBC
T1RBC to EC Leverage
Bank Tangible Common Equity
Percent of Tangible Assets (TCE Ratio)
TCE to EC Leverage

Regulatory Watch Points
Total Assets
Total Lending

Total Securities

Net Interest Income, YTD
Earning Assets, Total
Net Interest Margin, Current Qtr - Annualized
NIMY, from FDIC 5YR METHOD

Total Deposits
Brokered Deposits
Reciprocal Brokered Deposits
Volatile Liabilities, per FDIC
FHLB Advances

FHLB Advances-to-Assets, percent
Brokered to Total Deposits, percent
FHLB+BRO+VOLIAB to Assets, percent

Gross Defaults, Actual
Provision for Loan Losses, Income Statement
Actual-to-Provision Ratio
Balance Sheet Allowances for Loan Losses

Gross Defaults, Total
30-89 Day Assets, Total
  Guaranteed Portion of 30-89
Over 90 Assets, Total
  Guaranteed Portion of Over 90
Non-Accrual Assets, Total
  Guaranteed Portion of NA
Real Estate Owned (REO)
Total Troubled Assets
Troubled Assets % of Total Assets
   % factored for less 80% GTY Offsets
Non-Conforming Assets, Reported

Off Balance Sheet Derivatives, Notional
Loss Realization Margin to RBC, bp

September
2009


F
26.2
-2.04
300.4%
0

Fail
0.6%
1.2%
0.5%


B
CCC
664.8
100.00
0.73
4.1


$9,611
-65.26%
$531
0.1:1
$-3,604
-3.40%
-0.37:1


$110,094
$82,734

$10,442

$485
$96,542
0.67%
0.63%

$102,386
$0
$0
$18,050
$7,000

6.36%
0.00%
22.75%

$4,125
$5,207
0.79:1
$3,779

$4,125
$6,942
$0
$0
$0
$21,433
$0
$3,608
$36,108
32.80%
32.80%
$21,433

-
-

June
2009


F
22.2
-0.18
237.1%
0

Fail
3.9%
5.1%
3.3%


BB
B
294.3
100.00
0.95
5.4


$4,502
-41.91%
$3,659
0.8:1
$-4,384
-4.06%
-0.97:1


$112,124
$87,658

$10,670

$391
$100,315
0.78%
0.75%

$101,364
$0
$0
$18,906
$7,000

6.24%
0.00%
23.10%

$1,290
$3,357
0.38:1
$4,764

$1,290
$7,537
$0
$0
$0
$8,694
$0
$4,390
$21,911
19.54%
19.54%
$8,694

-
-

March
2009


F
21.3
-4.51
169.1%
0

Warn
7.5%
8.7%
6.3%


BB
BB
131.8
100.00
1.02
7.9


$2,023
-18.59%
$7,354
3.6:1
$7,889
7.02%
3.90:1


$116,546
$89,202

$11,889

$272
$102,948
1.06%
1.03%

$101,822
$0
$0
$19,650
$7,000

6.01%
0.00%
22.87%

$294
$50
5.88:1
$2,453

$294
$5,200
$0
$4,400
$0
$6,698
$0
$2,496
$19,088
16.38%
16.38%
$11,098

-
-

December
2008


F
20.8
-0.01
126.9%
0

Adequate
8.8%
10.1%
6.9%


BBB
A
17.0
100.00
1.09
10.6


$673
1.78%
$8,239
12.2:1
$9,438
8.19%
14.02:1


$119,537
$90,374

$19,335

$1,783
$109,860
1.62%
1.73%

$103,710
$0
$0
$20,552
$7,000

5.86%
0.00%
23.05%

$154
$970
0.16:1
$1,957

$154
$3,258
$0
$878
$0
$6,274
$0
$948
$11,512
9.63%
9.63%
$7,152

-
-

September
2008


F
20.7
-6.24
113.0%
0

Adequate
9.5%
10.8%
7.8%


BBB
AA
12.2
100.00
1.07
21.1


$631
31.70%
$9,200
14.6:1
$8,998
7.90%
14.26:1


$118,245
$84,934

$18,533

$1,483
$110,773
1.79%
1.96%

$96,838
$0
$0
$29,495
$12,000

10.15%
0.00%
35.09%

$78
$210
0.37:1
$1,273

$78
$184
$0
$0
$0
$5,750
$0
$0
$6,012
5.08%
5.08%
$5,750

$10,000
10,417

June
2008


F
20.7
-10.48
109.3%
0

Adequate
10.1%
11.4%
8.9%


BBB
A
19.7
100.00
1.09
27.2


$591
34.86%
$9,163
15.5:1
$9,870
10.00%
16.70:1


$102,988
$79,000

$18,493

$985
$96,204
2.05%
2.01%

$82,171
$0
$0
$28,748
$10,000

9.71%
0.00%
37.62%

$78
$360
0.22:1
$1,423

$78
$1,917
$0
$0
$0
$3,552
$0
$0
$5,547
5.39%
5.39%
$3,552

$10,000
10,307

March
2008


F
20.8
-16.39
103.0%
0

Adequate
10.3%
11.6%
8.7%


BBB
BBB
41.4
100.00
1.15
33.0


$563
16.51%
$9,233
16.4:1
$9,394
9.25%
16.67:1


$105,881
$75,321

$22,226

$527
$99,255
2.12%
2.13%

$88,971
$0
$0
$30,986
$7,000

6.61%
0.00%
35.88%

$78
$369
0.21:1
$1,432

$78
$0
$0
$954
$0
$1,850
$0
$0
$2,882
2.72%
2.72%
$2,804

-
-

December
2007


A
1.4
2.46
69.5%
0

Adequate
11.1%
12.4%
9.2%


AAA
AAA
0.0
0.00
1.01
27.7


$553
236.61%
$9,616
17.4:1
$9,725
9.69%
17.59:1


$104,739
$73,910

$12,750

$2,628
$98,253
2.67%
3.41%

$87,571
$0
$0
$29,664
$7,000

6.68%
0.00%
35.01%

-
$725
-
$1,141

$0
$956
$0
$0
$0
$1,854
$0
$0
$2,810
2.68%
2.68%
$1,854

-
-

September
2007


A+
0.9
5.71
65.3%
0

Adequate
12.7%
13.7%
10.6%


AAA
AAA
0.0
0.00
1.29
33.8


$480
214.34%
$9,797
20.4:1
$9,874
11.25%
20.59:1


$92,206
$64,122

$15,667

$2,010
$85,060
3.15%
3.73%

$75,048
$0
$0
$26,972
$7,000

7.59%
0.00%
36.84%

-
$350
-
$766

$0
$1,921
$0
$1,000
$0
$832
$0
$0
$3,753
4.07%
4.07%
$1,832

-
-

June
2007


A+
0.8
6.22
67.2%
0

Adequate
14.0%
14.9%
11.6%


AAA
AAA
0.0
0.00
1.28
30.4


$443
132.76%
$9,671
21.8:1
$9,587
12.14%
21.65:1


$83,440
$59,216

$13,500

$1,265
$77,310
3.27%
3.75%

$66,579
$0
$0
$23,929
$7,000

8.39%
0.00%
37.07%

-
$177
-
$593

$0
$0
$0
$0
$0
$0
$0
$0
$0
0%
0%
$0

-
-

March
2007


A
1.0
4.27
77.7%
0

Adequate
17.6%
18.5%
13.2%


AAA
AAA
0.0
0.00
1.19
23.0


$338
58.64%
$9,270
27.5:1
$9,275
14.10%
27.47:1


$70,285
$45,146

$11,586

$534
$64,562
3.31%
3.41%

$60,816
$0
$0
$22,098
-

-
0.00%
31.44%

-
$37
-
$453

$0
$0
$0
$0
$0
$0
$0
$0
$0
0%
0%
$0

-
-

December
2006


A
1.3
2.51
79.3%
0

Adequate
18.9%
19.8%
13.9%


AAA
AAA
0.0
0.00
1.19
10.6


$310
176.22%
$9,171
29.5:1
$9,163
14.87%
29.52:1


$65,958
$41,501

$10,986

$1,994
$60,572
3.29%
4.51%

$56,615
$0
$0
$18,982
-

-
0.00%
28.78%

-
$213
-
$416

$0
$0
$0
$0
$0
$0
$0
$0
$0
0%
0%
$0

-
-

All CALL/TFR's file to identical calendars ending Dec-31. Quarterly values reported are cumulative thru the reporting year. Dollar data in thousands unless otherwise noted. Selected rates pre-computed by FDIC are factored according to criteria from the regulatory agency to derive annualized rates. Peering groups are dynamically generated each quarter based the bank unit being examined. See the quarterly for peer listings.
Lord, Whalen LLC dba Institutional Risk Analytics 371 Van Ness Way Suite 110 Torrance, California 90501 310.676.3300