PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mellon Private Trust Company, National Association

Aventura, FL · Cert 34564

FDIC

Q4 2007

$57.5MAssets
n/aLoans
n/aDeposits
$40.2MEquity

Executive Summary

  • Earnings: ROA of 5.09%, up 166 bps year over year; NIM at 0.78%.

Return on Assets (quarter, annualized)

5.09%+166 bps YoY

Net Interest Margin (quarter, annualized)

0.78%+28 bps YoY

Efficiency Ratio (quarter, annualized)

85.80%-924 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.58%Q4 ’050.50%Q4 ’060.78%Q4 ’07-14%+56%

Non-interest income vs. expense

61.23%Q4 ’0565.22%Q4 ’0687.45%Q4 ’07+72%-282%

Discrete quarter, annualized.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets0.60%3.73%1.09%3.42%-3.66%-7.72%16.64%5.09%+166 bps
Return on Equity0.69%4.28%1.26%4.12%-4.47%-9.24%22.00%7.52%+340 bps
Net Interest Margin0.40%0.54%0.29%0.50%0.52%0.47%-1.07%0.78%+28 bps
Efficiency Ratio97.07%90.81%96.17%95.04%107.17%116.66%93.65%85.80%-924 bps
Non-Interest Burden-0.55%-4.71%-1.42%-1.90%5.89%11.10%-30.14%-7.27%-536 bps
Growth
Asset Growth (YoY)24.26%14.41%27.92%19.14%10.42%7.16%-17.32%-5.01%-2,414 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital68.87%66.74%60.40%58.98%39.55%36.90%84.10%107.49%+4,851 bps
Equity / Assets85.72%88.87%84.87%81.45%82.23%84.93%64.95%69.89%-1,156 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets7.33%0.00%6.96%10.24%5.00%0.87%5.36%15.13%+489 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a