Chase Manhattan Trust Company, National Association

Pittsburgh, PA · Cert 34765

FDIC

Q3 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: Q3 2001, the quarter ended September 30, 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.

Pittsburgh, PA · Cert 34765

FDIC

Q3 2001

$213.3MAssets

n/aLoans

n/aDeposits

$204.3MEquity

Return on Assets (YTD, annualized)

2.21%-144 bps YoY

Net Interest Margin (YTD, annualized)

0.10%

Efficiency Ratio (YTD, annualized)

84.73%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	YoY Δ	Trend
Earnings
Return on Assets	3.65%	4.76%	1.87%	1.09%	2.21%	-144 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	0.00%	0.15%	0.10%	n/a
Efficiency Ratio	n/a	n/a	83.33%	90.33%	84.73%	n/a
Non-Interest Burden	n/a	n/a	-3.74%	-2.01%	-3.40%	n/a
Growth
Asset Growth (YoY)	1.78%	18.27%	22.75%	19.04%	19.30%	+1,752 bps
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	-100.00%	n/a	n/a	-100.00%	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	n/a	178.44%	214%	229%	n/a
Equity / Assets	n/a	n/a	94.48%	96.23%	95.77%	n/a
Liquidity & Funding
Loans / Deposits	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