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 ’010.44%Q2 ’013.09%Q3 ’01-103%+827%

Non-interest income vs. expense

46.89%Q1 ’0136.06%Q2 ’0139.66%Q3 ’01-56%-131%

Executive Summary

  • Earnings: ROA of 3.39%, up 152 bps year over year; NIM at 2.11%.
  • Funding: loans stand at 0.00% of deposits as of Q3 2001.

Financial Results

Return on Assets (quarter, annualized)

3.39%+152 bps YoY

Net Interest Margin (quarter, annualized)

2.11%

Efficiency Ratio (quarter, annualized)

88.09%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.87%3.81%-9.93%-7.31%3.39%+152 bps
Return on Equityn/an/an/a-10.06%4.51%n/a
Net Interest Marginn/an/a9.03%-0.29%2.11%n/a
Efficiency Ration/an/a145.70%142.53%88.09%n/a
Non-Interest Burdenn/an/a23.73%10.47%-3.25%n/a
Growth
Asset Growth (YoY)n/an/an/an/a-5.90%n/an/a
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/a0.00%n/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/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/a377%1116%81.63%n/a
Equity / Assetsn/an/a73.46%71.77%78.97%n/a
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%89.78%18.51%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a