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Letter portraitLegal landscapeQuarterYTD

Bank of Tokyo-Mitsubishi Trust Company

New York, NY · Cert 19553

FDIC

Q4 2011

$963.7MAssets
$376.3MLoans
n/aDeposits
$781.9MEquity
Deposit mix
6%Interest-bearing $094%Noninterest $0Q4 2010Q4 2011

NIM

1.78%Q4 ’091.77%Q4 ’102.36%Q4 ’11+0%+60%

Non-interest income vs. expense

0.21%Q4 ’092.42%Q4 ’100.31%Q4 ’11-9%+108%

Executive Summary

  • Earnings: ROA of -0.43%, down 457 bps year over year; NIM at 2.32%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.

Financial Results

Return on Assets (quarter, annualized)

-0.43%-457 bps YoY

Net Interest Margin (quarter, annualized)

2.32%+87 bps YoY

Efficiency Ratio (quarter, annualized)

13.16%-973 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets4.15%0.86%0.69%10.26%-0.43%-457 bps
Return on Equity19.63%3.96%2.78%0.65%-0.57%-2,020 bps
Net Interest Margin1.45%1.26%0.95%0.88%2.32%+87 bps
Efficiency Ratio22.89%58.17%79.28%79.07%13.16%-973 bps
Non-Interest Burden-3.35%0.00%0.68%0.59%0.26%+361 bps
Growth
Asset Growth (YoY)-30.04%-19.96%-25.88%-65.22%-72.10%-4,206 bps
Loan Growth (YoY)-31.74%-35.24%-63.65%-71.04%-75.85%-4,411 bps
Deposit Growth (YoY)-47.95%-34.49%-26.90%-100.00%-100.00%-5,205 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans5.68%0.00%0.00%0.00%0.00%-568 bps
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 Capital22.36%25.46%87.86%129.38%172.47%+15,011 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits126.05%92.86%56.77%n/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a