Mellon Securities Trust Company

New York, NY · Cert 26378

FDIC

Q2 2008

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 2008, the quarter ended June 30, 2008, 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.

New York, NY · Cert 26378

FDIC

Q2 2008

$1.6MAssets

n/aLoans

n/aDeposits

$1.4MEquity

Return on Assets (YTD, annualized)

0.00%0 bps YoY

Net Interest Margin (YTD, annualized)

1.71%-2 bps YoY

Efficiency Ratio (YTD, annualized)

100.00%0 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 2007	Q3 2007	Q4 2007	Q1 2008	Q2 2008	YoY Δ	Trend
Earnings
Return on Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Return on Equity	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Interest Margin	1.73%	0.89%	1.26%	2.07%	1.71%	-2 bps
Efficiency Ratio	100.00%	100.00%	100.00%	100.00%	100.00%	0 bps
Non-Interest Burden	1.73%	0.89%	1.26%	2.07%	1.71%	-2 bps
Growth
Asset Growth (YoY)	10.66%	-3.15%	-11.84%	-2.70%	-10.21%	-2,087 bps
Loan Growth (YoY)	-100.00%	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
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	85.08%	85.44%	85.68%	88.24%	88.76%	+368 bps
Equity / Assets	82.90%	83.08%	83.31%	85.73%	86.22%	+333 bps
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	0.00%	0.00%	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