The North American Bank & Trust Company Financial Statements & Health Reports

Acquired Nov 2003

Vitals

Total Assets

189.4M
Total Deposits

150.4M
Total Net Loans

97.0M
Net Income

840000.0000
Book Value

14.2M
Book Value x2

28.5M
Book Value x3

42.7M

ROAA

.585

ROAE

7.673

Efficiency Ratio

85.561

Net Interest Margin

4.152

Balance Sheet Highlights

Financial Highlights	The North American Bank & Trust Company	All Insured Commercial Banks in Connecticut
Balance Sheet $(000)
Total Assets	189,407	162,688
Total Net Loans	97,031	92,538
Total Deposits	150,379	133,137
Total Equity	14,241	13,874
Profitability
Net Income	840	2,776
Return on Average Assets	.585	1.044
Return on Average Equity	7.673	10.393
Net Interest Margin	4.152	3.874
Efficiency Ratio	85.561	80.416
Noninterest Income/Revenue	9.234	11.339
Balance Sheet Ratios
Loan-to-Deposit	64.524	70.11
Securities/Assets	.361	.35
Total Equity/Total Assets	.075	.085
Tangible Equity/Tangible Assets	.075	-.353
Capital Adequacy
Tier 1 Common Capital	—	—
Tier 1 Capital	13,889	13,597
Tier 2 Capital	1,504	994
Total Capital	15,393	14,598
Total Risk Weighted Assets	119,986	96,341
Leverage Ratio	7.25	9.956
Common Equity Tier 1 Capital Ratio	—	—
Tier 1 Capital Ratio	11.58	16.316
Total Capital Ratio	12.83	17.423

Timeline for The North American Bank & Trust Company

Webster Bank, National Association

The North American Bank & Trust Company was acquired by Webster Bank, National Association 20 years

View Profile Nov 08 2003

Southam Mortgage Company

Southam Mortgage Company became a new subsidiary organization for The North American Bank & Trust Company.

View Profile Jan 01 1987

Manchester Mortgage Company

Manchester Mortgage Company became a new subsidiary organization for The North American Bank & Trust Company.

View Profile Nov 15 1984

North American Bancorporation, Inc.

North American Bancorporation, Inc. became a new parent organization for The North American Bank & Trust Company.

View Profile Jun 01 1982