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RBS National Bank

Bridgeport, CT · Cert 57858

FDIC

Q2 2007

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 2007, the quarter ended June 30, 2007, 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

RBS National Bank

Bridgeport, CT · Cert 57858

FDIC

Q2 2007

$513.5MAssets
n/aLoans
$79.5MDeposits
$387.4MEquity
Deposit mix
70%Interest-bearing $55.5M30%Noninterest $24.0MQ2 2006Q2 2007

NIM

0.20%Q2 ’051.12%Q2 ’061.50%Q2 ’07+197%+64%

Non-interest income vs. expense

4.78%Q2 ’0531.58%Q2 ’0631.44%Q2 ’07-203%+26%

Executive Summary

  • Earnings: ROA of 1.44%, down 13 bps year over year; NIM at 0.96%.
  • Funding: loans stand at 0.00% of deposits as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

1.44%-13 bps YoY

Net Interest Margin (YTD, annualized)

0.96%+37 bps YoY

Efficiency Ratio (YTD, annualized)

83.68%+186 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets1.57%1.73%1.31%0.55%1.44%-13 bps
Return on Equity1.96%2.19%1.67%0.73%1.91%-5 bps
Net Interest Margin0.59%0.66%0.73%0.96%0.96%+37 bps
Efficiency Ratio81.82%81.18%82.53%86.67%83.68%+186 bps
Non-Interest Burden-1.83%-1.96%-1.38%0.13%-1.35%+48 bps
Growth
Asset Growth (YoY)21.43%18.09%22.44%3.23%0.75%-2,069 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)2795%622%1910%2.82%3.29%-279,201 bps
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 Capital50.64%58.13%64.97%72.14%81.94%+3,131 bps
Equity / Assets74.66%75.48%75.59%75.87%75.44%+77 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.02%0.03%0.02%0.02%0.02%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a