PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

American Community Bank NA

Lima, OH · Cert 15001

FDIC

Q3 1998

$370.2MAssets
$271.1MLoans
$319.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.93%, up 23 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 84.96% of deposits as of Q3 1998.

Return on Assets (YTD, annualized)

0.93%+23 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998YoY ΔTrend
Earnings
Return on Assets0.49%0.02%0.52%0.69%0.75%1.04%0.96%0.93%+23 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-5.55%-7.34%-2.22%-1.81%-1.02%2.13%-0.41%-1.92%-11 bps
Loan Growth (YoY)1.09%15.94%21.99%17.78%15.25%-3.17%-5.77%-4.86%-2,263 bps
Deposit Growth (YoY)-5.64%-6.82%-3.78%-5.31%-1.86%1.31%-0.08%-0.24%+507 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits74.24%85.30%87.45%89.08%87.18%81.53%82.47%84.96%-412 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a