PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mellon Securities Trust Company

New York, NY · Cert 26378

FDIC

Q2 2008

$1.6MAssets
n/aLoans
n/aDeposits
$1.4MEquity

NIM

4.36%Q2 ’061.73%Q2 ’071.71%Q2 ’08-60%-1%

Non-interest income vs. expense

125.45%Q2 ’06125.18%Q2 ’07115.39%Q2 ’08-60%-1%

Executive Summary

  • Earnings: ROA of 0.00%, unchanged from a year ago; NIM at 1.71%.

Financial Results

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.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets0.00%0.00%0.00%0.00%0.00%0 bps
Return on Equity0.00%0.00%0.00%0.00%0.00%0 bps
Net Interest Margin1.73%0.89%1.26%2.07%1.71%-2 bps
Efficiency Ratio100.00%100.00%100.00%100.00%100.00%0 bps
Non-Interest Burden1.73%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/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
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 Capital85.08%85.44%85.68%88.24%88.76%+368 bps
Equity / Assets82.90%83.08%83.31%85.73%86.22%+333 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/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