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

Executive Summary

  • Earnings: ROA of 6.08%, down 3,616 bps year over year; NIM at 0.68%.

Return on Assets (quarter, annualized)

6.08%-3,616 bps YoY

Net Interest Margin (quarter, annualized)

0.68%-336 bps YoY

Efficiency Ratio (quarter, annualized)

30.87%+326 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

3.28%Q4 ’054.04%Q4 ’060.68%Q4 ’07+23%-83%

Non-interest income vs. expense

26.84%Q4 ’0526.85%Q4 ’064.48%Q4 ’07+8%+86%

Discrete quarter, annualized.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets51.96%48.68%45.47%42.24%35.36%28.43%-5.74%6.08%-3,616 bps
Return on Equity61.82%60.32%55.79%51.92%43.20%33.69%-6.32%6.59%-4,533 bps
Net Interest Margin3.49%3.90%4.02%4.04%3.95%4.31%-0.48%0.68%-336 bps
Efficiency Ratio19.65%22.64%26.19%27.61%29.28%37.43%34.34%30.87%+326 bps
Non-Interest Burden-82.09%-76.55%-71.02%-66.36%-58.65%-44.38%5.07%-9.36%+5,700 bps
Growth
Asset Growth (YoY)10.43%9.86%2.65%9.10%5.23%11.82%671%689%+67,948 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 Capital215%221%222%206%234%241%126.96%146.56%-5,957 bps
Equity / Assets80.28%81.11%81.92%80.77%82.84%85.86%91.51%92.92%+1,216 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets76.72%74.79%72.10%68.24%75.34%79.01%12.93%14.76%-5,348 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a