American Community Bank

Wausau, WI · Cert 33994

FDIC

Q3 2001

$156.6MAssets

$110.7MLoans

$128.3MDeposits

$13.6MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 1.15%, down 3 bps year over year; NIM at 2.86%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
Funding: loans stand at 86.28% of deposits as of Q3 2001.

Return on Assets (YTD, annualized)

1.15%-3 bps YoY

Net Interest Margin (YTD, annualized)

2.86%

Efficiency Ratio (YTD, annualized)

48.64%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	YoY Δ	Trend
Earnings
Return on Assets	1.29%	1.22%	1.20%	1.18%	1.17%	1.17%	1.05%	1.15%	-3 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	2.98%	2.90%	2.86%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	45.88%	52.59%	48.64%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	1.06%	1.24%	1.08%	n/a
Growth
Asset Growth (YoY)	8.40%	16.08%	17.08%	18.72%	19.59%	13.98%	8.64%	14.58%	-414 bps
Loan Growth (YoY)	14.24%	17.30%	21.53%	24.40%	22.28%	17.92%	7.61%	8.33%	-1,607 bps
Deposit Growth (YoY)	9.57%	16.98%	20.38%	17.46%	18.39%	13.26%	7.94%	15.74%	-171 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	0.04%	0.02%	0.04%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	1.17%	1.21%	1.17%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	12.17%	12.70%	12.97%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	8.28%	8.63%	8.66%	n/a
Liquidity & Funding
Loans / Deposits	89.86%	88.70%	92.23%	92.19%	92.81%	92.35%	91.96%	86.28%	-590 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	13.27%	12.93%	12.04%	+1,204 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a