Custodial Trust Company

Princeton, NJ · Cert 25809

FDIC

Q3 2011

$288.1MAssets

n/aLoans

$25.2MDeposits

$261.6MEquity

Deposit mix

Executive Summary

Return on Assets (YTD, annualized)

-0.01%-6 bps YoY

Net Interest Margin (YTD, annualized)

0.04%-7 bps YoY

Efficiency Ratio (YTD, annualized)

-47.71%-7,064 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 2009	Q1 2010	Q2 2010	Q3 2010	Q4 2010	Q1 2011	Q2 2011	Q3 2011	YoY Δ	Trend
Earnings
Return on Assets	0.61%	0.03%	0.08%	0.05%	0.07%	0.02%	0.06%	-0.01%	-6 bps
Return on Equity	0.98%	0.05%	0.12%	0.07%	0.09%	0.02%	0.07%	-0.01%	-8 bps
Net Interest Margin	0.46%	0.17%	0.17%	0.11%	0.09%	0.05%	0.04%	0.04%	-7 bps
Efficiency Ratio	28.73%	63.01%	-10.61%	22.93%	48.50%	10.53%	-170.83%	-47.71%	-7,064 bps
Non-Interest Burden	-0.66%	0.14%	0.06%	0.02%	0.04%	0.03%	-0.04%	-0.03%	-5 bps
Growth
Asset Growth (YoY)	-4.97%	-19.02%	-10.15%	-11.08%	-21.37%	-19.59%	-15.91%	-19.86%	-879 bps
Loan Growth (YoY)	-100.00%	-100.00%	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	-5.62%	-36.41%	-28.42%	-28.53%	-66.31%	-65.49%	-61.17%	-72.96%	-4,443 bps
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	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	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	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	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	n/a	n/a	n/a
Total Risk-Based Capital	322%	330%	353%	354%	411%	413%	423%	447%	+9,391 bps
Equity / Assets	66.78%	68.29%	73.08%	72.76%	85.01%	85.01%	86.97%	90.83%	+1,807 bps
Liquidity & Funding
Loans / Deposits	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	32.49%	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	n/a	n/a	n/a