PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pioneer American Bank NA

Carbondale, PA · Cert 7423

FDIC

Q3 2000

$422.5MAssets
$245.4MLoans
$307.8MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.95%, down 6 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 79.72% of deposits as of Q3 2000.

Return on Assets (YTD, annualized)

0.95%-6 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 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000YoY ΔTrend
Earnings
Return on Assets1.07%0.88%0.97%1.01%1.01%1.06%1.03%0.95%-6 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)9.49%9.45%8.47%4.68%3.38%-2.60%-1.91%0.31%-437 bps
Loan Growth (YoY)6.32%6.38%8.80%6.75%8.23%3.09%3.12%3.28%-347 bps
Deposit Growth (YoY)4.73%5.02%4.45%0.28%-2.71%-1.84%-3.78%0.99%+71 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 / Deposits72.36%76.82%77.71%77.94%80.49%80.68%83.27%79.72%+177 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