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Mellon Bank (de) National Association

Wilmington, DE · Cert 11653

FDIC

Q2 2003

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 2003, the quarter ended June 30, 2003, 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

Mellon Bank (de) National Association

Wilmington, DE · Cert 11653

FDIC

Q2 2003

$128.4MAssets
$6.9MLoans
$101.4MDeposits
$20.0MEquity
Loan mix
47%RE $1.8M51%C&I $1.9M2%Consumer $0.1MQ2 2002Q2 2003
Deposit mix
68%Interest-bearing $69.1M32%Noninterest $32.3MQ2 2002Q2 2003

NIM

6.49%Q2 ’012.64%Q2 ’023.48%Q2 ’03-47%+30%

Non-interest income vs. expense

3.53%Q2 ’012.78%Q2 ’021.92%Q2 ’03-777%+41%

Executive Summary

  • Earnings: ROA of 5.55%, up 223 bps year over year; NIM at 2.62%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 5.24%.
  • Funding: loans stand at 6.77% of deposits as of Q2 2003.

Financial Results

Return on Assets (YTD, annualized)

5.55%+223 bps YoY

Net Interest Margin (YTD, annualized)

2.62%+60 bps YoY

Efficiency Ratio (YTD, annualized)

26.80%-334 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2002Q3 2002Q4 2002Q1 2003Q2 2003YoY ΔTrend
Earnings
Return on Assets3.31%3.47%5.60%4.09%5.55%+223 bps
Return on Equity15.56%17.39%27.99%17.38%27.78%+1,221 bps
Net Interest Margin2.02%2.53%3.32%3.75%2.62%+60 bps
Efficiency Ratio30.13%29.08%26.17%27.06%26.80%-334 bps
Non-Interest Burden-4.42%-4.48%-5.06%-2.68%-2.62%+180 bps
Growth
Asset Growth (YoY)-66.10%-83.68%-52.33%-55.82%-38.22%+2,787 bps
Loan Growth (YoY)-91.53%-99.00%-83.70%-78.32%-81.14%+1,039 bps
Deposit Growth (YoY)-74.70%-88.51%-6.53%-40.73%-21.84%+5,287 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.42%-1.49%-0.55%-5.20%-5.24%-483 bps
Allowance / Loans0.66%0.63%0.79%2.09%0.36%-29 bps
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 Capital48.32%33.84%68.80%89.96%49.98%+167 bps
Equity / Assets18.73%13.16%20.30%27.84%15.56%-317 bps
Liquidity & Funding
Loans / Deposits28.06%6.89%11.52%15.76%6.77%-2,129 bps
Liquid Assets / Assets1.64%2.78%2.88%3.24%1.43%-21 bps
CRE / Total Capitaln/an/an/an/an/an/an/a