PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mellon Trust of Delaware, National Association

Greenville, DE · Cert 57618

FDIC

Q4 2007

$54.8MAssets
n/aLoans
n/aDeposits
$50.9MEquity

NIM

4.17%Q4 ’053.91%Q4 ’060.32%Q4 ’07-6%-92%

Non-interest income vs. expense

27.58%Q4 ’0524.77%Q4 ’062.32%Q4 ’07-13%+94%

Executive Summary

  • Earnings: ROA of 6.02%, down 4,146 bps year over year; NIM at 0.32%.

Financial Results

Return on Assets (YTD, annualized)

6.02%-4,146 bps YoY

Net Interest Margin (YTD, annualized)

0.32%-358 bps YoY

Efficiency Ratio (YTD, annualized)

32.57%+864 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets47.48%35.36%31.86%5.28%6.02%-4,146 bps
Return on Equity57.65%43.20%38.26%5.93%6.64%-5,101 bps
Net Interest Margin3.91%3.95%3.98%0.21%0.32%-358 bps
Efficiency Ratio23.94%29.28%33.25%34.34%32.57%+864 bps
Non-Interest Burden-74.81%-58.65%-49.27%-2.94%-4.47%+7,034 bps
Growth
Asset Growth (YoY)9.10%5.23%11.82%671%689%+67,948 bps
Loan Growth (YoY)n/an/an/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/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 Capital206%234%241%126.96%146.56%-5,957 bps
Equity / Assets80.77%82.84%85.86%91.51%92.92%+1,216 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets68.24%75.34%79.01%12.93%14.76%-5,348 bps
CRE / Total Capitaln/an/an/an/an/an/an/a