PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $24.0MQ3 2005Q2 2007

Executive Summary

  • Earnings: ROA of 2.33%, up 43 bps year over year; NIM at 0.97%.
  • Funding: loans stand at 0.00% of deposits as of Q2 2007.

Return on Assets (quarter, annualized)

2.33%+43 bps YoY

Net Interest Margin (quarter, annualized)

0.97%+32 bps YoY

Efficiency Ratio (quarter, annualized)

81.19%-10 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.47%Q3 ’051.21%Q2 ’061.52%Q2 ’07+40%+49%

Non-interest income vs. expense

56.36%Q3 ’0533.26%Q2 ’0633.08%Q2 ’07+73%-16%

Discrete quarter, annualized.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets5.20%-0.03%1.18%1.90%1.98%0.10%0.55%2.33%+43 bps
Return on Equity5.89%-0.04%1.41%2.51%2.64%0.13%0.73%3.09%+57 bps
Net Interest Margin0.47%0.40%0.54%0.65%0.83%0.88%0.96%0.97%+32 bps
Efficiency Ratio78.71%85.73%82.43%81.29%79.91%87.10%86.67%81.19%-10 bps
Non-Interest Burden-8.96%0.45%-1.25%-2.45%-2.30%0.50%0.13%-2.83%-38 bps
Growth
Asset Growth (YoY)n/an/an/a21.43%18.09%22.44%3.23%0.75%-2,069 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/a2795%622%1910%2.82%3.29%-279,201 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
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 Capital41.80%47.21%46.48%50.64%58.13%64.97%72.14%81.94%+3,131 bps
Equity / Assets87.71%91.05%77.02%74.66%75.48%75.59%75.87%75.44%+77 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.02%0.02%0.02%0.03%0.02%0.02%0.02%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a