New England Trust Company, National Association

Providence, RI · Cert 90641

FDIC

Q3 2008

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 2008, the quarter ended September 30, 2008, 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.

Providence, RI · Cert 90641

FDIC

Q3 2008

$1.6MAssets

n/aLoans

n/aDeposits

$1.4MEquity

Return on Assets (YTD, annualized)

-10.37%-281 bps YoY

Net Interest Margin (YTD, annualized)

6.43%+402 bps YoY

Efficiency Ratio (YTD, annualized)

214%-3,300 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q3 2007	Q4 2007	Q1 2008	Q2 2008	Q3 2008	YoY Δ	Trend
Earnings
Return on Assets	-7.56%	-9.64%	-19.99%	-19.13%	-10.37%	-281 bps
Return on Equity	-7.71%	-9.87%	-20.43%	-19.42%	-10.77%	-305 bps
Net Interest Margin	2.41%	1.75%	0.00%	0.00%	6.43%	+402 bps
Efficiency Ratio	247%	303%	1183%	791%	214%	-3,300 bps
Non-Interest Burden	15.95%	18.37%	34.28%	34.65%	29.47%	+1,352 bps
Growth
Asset Growth (YoY)	0.29%	-6.02%	-13.60%	-16.59%	-9.32%	-961 bps
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a	n/a	n/a	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	283%	343%	408%	222%	242%	-4,118 bps
Equity / Assets	92.22%	96.20%	99.66%	100.00%	90.09%	-213 bps
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	0.86%	0.93%	1.02%	1.07%	0.95%	+9 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a