full faith Sonny Landreth and creditsecurities with the remainder

full faith exhibits Sonny Landreth and creditsecurities landreth defines with the remainder primarily invested in high grade municipal bonds.Our funding is obtained through customer relationship deposits with no brokeredfunds. This is the structure that we used when we started the bank and it willcontinue to be the structure in the future." Assets and LiabilitiesTotal assets increased 21% or $129 million to $742 million at December 31, 2008as compared to $613 million at December 31, 2007. Loans increased 13% or by $37million from $282 million to $319 million while investments and federal fundssold increased $92 million, due to deposit growth. Funding the asset growth wasa 17% or $97 million increase in deposits. Interest IncomeDuring the fourth quarter, Net Interest Income rose by $881,000 or 15% over thesame quarter in 2007, and for the year ended December 2008, the Net InterestIncome increased by $1,702,000 or 7.8% over previous year. Non-interest IncomeNon-interest Income in the fourth quarter of 2008 increased 25.8% to $448,000from $356,000 in the fourth quarter of 2007.

For the year, Non-interest Incomerose 57% to $2,093,000 in 2008 from $1,330,000 in 2007 sonny landreth wiki . Credit QualityAsset quality at quarter-end remains excellent, with zero non-performing loans,no OREO and no charge offs sonny . At quarter-end, the allowance for loan losses stoodat $4,224,000 or 1.30% of loans, a level that management considers to be morethan adequate for our risk profile sonney landreth . AMERICAN BUSINESS BANK headquartered in downtown Los Angeles offers a wide rangeof financial services to the business marketplace sunny landreth . Clients include wholesalers,manufacturers, service businesses, professionals and non-profits. The Bank hasopened four Loan Production Offices in strategic areas including our OrangeCounty Office in Irvine, our South Bay Office in Torrance, our San FernandoValley Office in the Warner Center and our Inland Empire Office in Ontario. AMERICAN BUSINESS BANKBALANCE SHEET ( Unaudited - 000's omitted)December 20082007 AssetsInvestment $327,462$195,025 SecuritiesTrading 42,31089,332SecuritiesFederal 7,000 - Funds SoldLoans and 319,165 281,986 Leases(net) Cash, Checks in process ofcollection,23,41920,414Due fromBanks Premises, Equipment and Other 23,39626,794Assets Total$742,752$613,551 Assets LiabilitiesandShareholders'EquityDemand219,639 174,126 DepositsMoney Market 306,060 303,864 and NowDeposits Savings and128,024 78,423TimeDeposits Total 653,723 556,413 Deposits FHLB40,3357,985 AdvancesOther 1,647 5,486 LiabilitiesShareholder47,04743,667s' EquityTotal Liabilitiesand Shareholder $742,752$613,551 s' Equity AMERICAN BUSINESS BANKINCOME STATEMENT( Unaudited - 000's omitted) (Three months ended (Twelve months ended December) December)2008 2007 20082007Interest IncomeLoans and Leases $ 4,816$ 4,819$ 18,824$ 18,268 Investment 3,4672,28410,6298,302SecuritiesTrading1089861,623 4,629SecuritiesFederal Funds63 498403 1,221SoldTotal Interest 8,4548,58731,47932,420 Income Interest Expense Money Market and Now 9532,0634,464 6,848Accounts Savings and Time 6208402,644 3,665DepositsRepurchaseAgreements/ Other Borrowings 3226987 225Total Interest 1,8952,9098,095 10,738 ExpenseNet Interest 6,5595,67823,38421,682 IncomeProvision for(292)(150)(742) (523)Loan Losses Net InterestIncome AfterProvision for6,2675,52822,64221,159 Loan LossesOther Income4483562,093 1,330Other Expense4,7273,97117,67915,310 Operating Income 1,9881,9137,056 7,179 Income Taxes(400)(475)(1,602) (2,002) Net Earnings$ 1,588$ 1,438$ 5,454 $ 5,177Selected Ratios:Earni $ 0.44 $ 0.43 $ 1.52$ 1.57 ngs per ShareCapit 7.129%7.09%al toAssets Net3.694%4.13%Interest Margin Retur 12.507% 12.76% n onBeginningEquity Retur 0.81% 0.91%n onAverageAssets Effic 64.7% 66.7%iencyRatio AMERICAN BUSINESS BANKWesley E.

SchaeferVice Chairman & Chief Financial Officer(213) 430-4000 Copyright Business Wire 2009 sonny landreth congo square . West Virginia vs soony landreth . Cincinnati Betting OddsCincinnati is currently set as a 10 point home favorite against West Virginia with the games over/under betting total posted at 56 points.Need the Winning Pick? Click here for the West Virginia vs sonny landrith . Cincinnati WinnerNeed a place to bet the game? Click here to open an account at BetUS and get an Extra $200 in wagersATS TrendsMountaineers are 0-5 ATS in their last 5 games after allowing less than 20 points in their previous game.Mountaineers are 0-4 ATS in their last 4 games overall.Mountaineers are 0-4 ATS in their last 4 games after allowing less than 170 yards passing in their previous game.Bearcats are 8-1-1 ATS in their last 10 games after allowing more than 200 yards rushing in their previous game.Bearcats are 6-1 ATS in their last 7 home games vs sonny's . a team with a winning road record.Bearcats are 5-1 ATS in their last 6 games after allowing more than 40 points in their previous game.Over/Under TrendsOver is 6-0 in Mountaineers last 6 games as an underdog of 3.5-10.0.Over is 5-0 in Mountaineers last 5 games as a road underdog.Over is 7-0 in Mountaineers last 7 games as an underdog.Over is 5-1 in Bearcats last 6 games in November.Over is 4-1 in Bearcats last 5 games after allowing more than 200 yards rushing in their previous game.Under is 4-1 in Bearcats last 5 home games vs. a team with a winning road record.Head-to-Head TrendsMountaineers are 1-3-1 ATS in their last 5 meetings.Underdog is 4-1-1 ATS in their last 6 meetings.Road team is 4-1-1 ATS in their last 6 meetings.Visit Touthouse each day for winning college football predictions and expert college football picks from professional football handicappers. Be sure to check out our college football odds page for updated line movements throught the week.

This article is also featured on Touthouse Football Betting Picks sonny landreth discography . CONCORD, Calif.--(Business Wire)--Pacer International, Inc., a leading North American freight transportation andlogistics provider, announced the appointment of James K education of sonny . Commiskey as VicePresident, Business Development-Automotive, for its Pacer Stacktrain unit sonny morre . Inhis role, Commiskey is responsible for sales and coordinating the marketingeffort for Pacer`s wholesale automotive product barger sonny .

He will report directly toAdriene Bailey, President of Pacer Stacktrain "Jim joins Pacer at a pivotal time," said Bailey . "We are focused on creatingadditional value for our automotive customers as they manage through theunprecedented market conditions that exist in this sector sonnys . "We are expanding our intermodal services network to create additionalopportunities for our customers to convert highway moves to reliable andcost-effective intermodal service that also advance our customers` environmentalsustainability initiatives sonny okosun . And, we are making a significant investment in oursystems platform to simplify and enhance our customer experience with Pacer." Prior to joining Pacer, Commiskey was Senior Vice President of Avnet Logistics,where he was responsible for sales, marketing, and services development . He hasheld a series of progressively senior positions in the logistics industry,including Vice President of Business Development at UPS Supply Chain Solutions,Menlo Worldwide, Vector SCM, and Emery Worldwide respectively.