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First International Bank

Hartford, CT · Cert 17496

FDIC

Q2 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2001, the quarter ended June 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First International Bank

Hartford, CT · Cert 17496

FDIC

Q2 2001

$468.4MAssets
$281.2MLoans
$285.1MDeposits
$57.4MEquity
Loan mix
1%RE $3.1M99%C&I $214.2M0%Consumer $0.0MQ2 2000Q2 2001
Deposit mix
97%Interest-bearing $275.9M3%Noninterest $9.2MQ2 2000Q2 2001

NIM

7.66%Q1 ’017.71%Q2 ’01+2%

Non-interest income vs. expense

6.01%Q1 ’016.16%Q2 ’01-115%

Executive Summary

  • Earnings: ROA of -0.28%, down 290 bps year over year; NIM at 2.49%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.28%.
  • Funding: loans stand at 98.64% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

-0.28%-290 bps YoY

Net Interest Margin (YTD, annualized)

2.49%

Efficiency Ratio (YTD, annualized)

65.72%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets2.63%1.08%1.10%1.01%-0.28%-290 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a2.44%2.49%n/a
Efficiency Ration/an/an/a68.38%65.72%n/a
Non-Interest Burdenn/an/an/a-0.34%-0.73%n/a
Growth
Asset Growth (YoY)23.64%50.62%33.50%37.60%39.58%+1,594 bps
Loan Growth (YoY)-2.88%104.67%68.00%89.56%95.54%+9,842 bps
Deposit Growth (YoY)33.49%26.38%11.00%3.95%4.31%-2,917 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a1.84%3.28%n/a
Allowance / Loansn/an/an/a3.14%4.08%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/a10.52%10.20%n/a
Equity / Assetsn/an/an/a13.50%12.25%n/a
Liquidity & Funding
Loans / Deposits52.62%85.16%80.56%98.27%98.64%+4,602 bps
Liquid Assets / Assets0.00%0.00%0.00%1.11%1.45%+145 bps
CRE / Total Capitaln/an/an/an/an/an/an/a