PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

American Community Bank

Wausau, WI · Cert 33994

FDIC

Q3 2001

$156.6MAssets
$110.7MLoans
$128.3MDeposits
$13.6MEquity
Loan mix
54%RE $42.7M46%C&I $36.3M0%Consumer $0.1MQ3 2000Q3 2001
Deposit mix
92%Interest-bearing $117.8M8%Noninterest $10.5MQ3 2000Q3 2001

NIM

7.77%Q1 ’017.44%Q2 ’017.15%Q3 ’01-2%+2%

Non-interest income vs. expense

1.63%Q1 ’012.10%Q2 ’011.49%Q3 ’01+38%-43%

Executive Summary

  • Earnings: ROA of 1.37%, up 19 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
  • Funding: loans stand at 86.28% of deposits as of Q3 2001.

Financial Results

Return on Assets (quarter, annualized)

1.37%+19 bps YoY

Net Interest Margin (quarter, annualized)

2.96%

Efficiency Ratio (quarter, annualized)

41.23%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.18%1.17%1.17%0.92%1.37%+19 bps
Return on Equityn/an/an/a10.83%15.80%n/a
Net Interest Marginn/an/a2.98%2.91%2.96%n/a
Efficiency Ration/an/a45.88%59.08%41.23%n/a
Non-Interest Burdenn/an/a1.06%1.46%0.83%n/a
Growth
Asset Growth (YoY)18.72%19.59%13.98%8.64%14.58%-414 bps
Loan Growth (YoY)24.40%22.28%17.92%7.61%8.33%-1,607 bps
Deposit Growth (YoY)17.46%18.39%13.26%7.94%15.74%-171 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.04%0.00%0.07%n/a
Allowance / Loansn/an/a1.17%1.21%1.17%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/a12.17%12.70%12.97%n/a
Equity / Assetsn/an/a8.28%8.63%8.66%n/a
Liquidity & Funding
Loans / Deposits92.19%92.81%92.35%91.96%86.28%-590 bps
Liquid Assets / Assets0.00%0.00%13.27%12.93%12.04%+1,204 bps
CRE / Total Capitaln/an/an/an/an/an/an/a