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American Commercial Bank

Oxnard, CA · Cert 21224

FDIC

Q2 2001

$272.9MAssets
$195.7MLoans
$244.7MDeposits
$25.9MEquity
Loan mix
43%RE $31.9M55%C&I $40.5M2%Consumer $1.3MQ2 2000Q2 2001
Deposit mix
69%Interest-bearing $169.0M31%Noninterest $75.7MQ2 2000Q2 2001

NIM

7.97%Q1 ’017.23%Q2 ’01-11%

Non-interest income vs. expense

4.06%Q1 ’014.24%Q2 ’01+14%

Executive Summary

  • Earnings: ROA of 0.67%, down 71 bps year over year; NIM at 4.83%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Funding: loans stand at 79.94% of deposits as of Q2 2001.

Financial Results

Return on Assets (quarter, annualized)

0.67%-71 bps YoY

Net Interest Margin (quarter, annualized)

4.83%

Efficiency Ratio (quarter, annualized)

73.87%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets1.38%1.43%1.45%1.35%0.67%-71 bps
Return on Equityn/an/an/an/a7.20%n/an/a
Net Interest Marginn/an/an/a5.40%4.83%n/a
Efficiency Ration/an/an/a61.96%73.87%n/a
Non-Interest Burdenn/an/an/a2.91%3.33%n/a
Growth
Asset Growth (YoY)4.85%9.90%8.34%11.05%8.02%+317 bps
Loan Growth (YoY)13.04%15.68%8.13%9.61%3.41%-963 bps
Deposit Growth (YoY)4.31%9.99%13.64%11.22%8.18%+387 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a-0.13%-0.03%n/a
Allowance / Loansn/an/an/a1.92%2.11%n/a
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 Capitaln/an/an/a12.66%13.08%n/a
Equity / Assetsn/an/an/a9.18%9.51%n/a
Liquidity & Funding
Loans / Deposits83.63%83.67%81.30%79.88%79.94%-369 bps
Liquid Assets / Assets0.00%0.00%0.00%1.54%1.41%+141 bps
CRE / Total Capitaln/an/an/an/an/an/an/a