Metlife Bank, National Association

Monmouth Junction, NJ · Cert 35055

FDIC

Q2 2013

$686.9MAssets

$214KLoans

n/aDeposits

$374.5MEquity

Deposit mix

NIM

Earnings: ROA of -6.27%, down 50 bps year over year; NIM at 0.46%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.

Return on Assets (quarter, annualized)

-6.27%-50 bps YoY

Net Interest Margin (quarter, annualized)

0.46%+29 bps YoY

Efficiency Ratio (quarter, annualized)

1071%+69,283 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q2 2012	Q3 2012	Q4 2012	Q1 2013	Q2 2013	YoY Δ	Trend
Earnings
Return on Assets	-5.77%	-3.46%	-7.48%	-0.38%	-6.27%	-50 bps
Return on Equity	-80.87%	-28.56%	-62.00%	-1.84%	-9.51%	+7,136 bps
Net Interest Margin	0.17%	-0.23%	-0.29%	0.77%	0.46%	+29 bps
Efficiency Ratio	378%	41067%	3222%	132.50%	1071%	+69,283 bps
Non-Interest Burden	8.41%	5.11%	10.82%	2.86%	10.42%	+200 bps
Growth
Asset Growth (YoY)	-42.95%	-51.33%	-69.31%	-94.92%	-92.70%	-4,974 bps
Loan Growth (YoY)	-78.04%	-87.59%	-97.65%	-97.94%	-99.99%	-2,195 bps
Deposit Growth (YoY)	-31.83%	-39.03%	-38.94%	-100.00%	-100.00%	-6,817 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	1.50%	0.00%	0.00%	0.00%	0.00%	-150 bps
Allowance / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
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	39.75%	59.70%	87.52%	196.74%	125.69%	+8,594 bps
Equity / Assets	11.96%	12.30%	11.81%	71.99%	54.52%	+4,256 bps
Liquidity & Funding
Loans / Deposits	25.58%	18.13%	6.57%	n/a	n/a	n/a
Liquid Assets / Assets	59.03%	65.81%	78.21%	0.00%	0.00%	-5,903 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a