PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Retail Bank, National Association

Flowery Branch, GA · Cert 35500

FDIC

Q3 2001

$2.5MAssets
n/aLoans
$500KDeposits
$2.0MEquity
Deposit mix
100%Interest-bearing $500K0%Noninterest $0KQ3 2000Q3 2001

NIM

10.19%Q1 ’015.31%Q2 ’014.98%Q3 ’01-52%-9%

Non-interest income vs. expense

46.89%Q1 ’0141.44%Q2 ’0144.10%Q3 ’01-28%-32%

Financial Results

Return on Assets (YTD, annualized)

-4.80%-667 bps YoY

Net Interest Margin (YTD, annualized)

3.96%

Efficiency Ratio (YTD, annualized)

121.13%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Return on Assets1.87%3.81%-9.93%-8.65%-4.80%-667 bps
Net Interest Marginn/an/a9.03%4.36%3.96%n/a
Non-Interest Burdenn/an/a23.73%17.08%11.65%n/a
Loan Growth (YoY)n/an/an/an/an/an/an/a
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Equity / Assetsn/an/a73.46%71.77%78.97%n/a
Liquid Assets / Assets0.00%0.00%89.78%18.51%0.00%0 bps