Metlife Trust Company, National Association

Bedminster, NJ · Cert 22399

FDIC

Q4 2001

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: Q4 2001, the quarter ended December 31, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Bedminster, NJ · Cert 22399

FDIC

Q4 2001

$13.1MAssets

n/aLoans

n/aDeposits

$9.4MEquity

Return on Assets (YTD, annualized)

-23.92%+1,225 bps YoY

Net Interest Margin (YTD, annualized)

3.57%

Efficiency Ratio (YTD, annualized)

349%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 2000	Q1 2001	Q2 2001	Q3 2001	Q4 2001	YoY Δ	Trend
Earnings
Return on Assets	-36.16%	-27.65%	-23.31%	-19.46%	-23.92%	+1,225 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	3.75%	4.01%	3.70%	3.57%	n/a
Efficiency Ratio	n/a	392%	358%	300%	349%	n/a
Non-Interest Burden	n/a	47.85%	41.52%	36.29%	46.41%	n/a
Growth
Asset Growth (YoY)	71.74%	3.96%	7.46%	14.31%	-15.31%	-8,705 bps
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	309%	271%	214%	164.81%	n/a
Equity / Assets	n/a	82.95%	82.37%	77.94%	71.78%	n/a
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	0.00%	0.01%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a