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

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
n/a

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%

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets1.33%1.02%1.18%1.57%1.73%1.31%0.55%1.44%-13 bps
Return on Equityn/an/a1.41%1.96%2.19%1.67%0.73%1.91%-5 bps
Net Interest Margin0.29%0.32%0.54%0.59%0.66%0.73%0.96%0.96%+37 bps
Efficiency Ratio78.48%80.65%82.43%81.82%81.18%82.53%86.67%83.68%+186 bps
Non-Interest Burden-1.80%-1.28%-1.25%-1.83%-1.96%-1.38%0.13%-1.35%+48 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