M&T Bank, National Association

M&T Bank, National Association is headquartered in Wilmington and is the 11^st largest bank in the state of Delaware. It is also the 379^th largest bank in the nation. It was established in 1995 and as of December of 2012, it had grown to 470 employees at 32 locations. M&T Bank, National Association has a 5-star health rating.

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Data for Q4 2012

Institution Statistics Wilmington Trust, National Association FDIC Certificate # 34069 BankRate Report View Year Established 1995 Employees 470 Primary Regulator OCC Assets and Liabilities Assets $1.85 billion Loans $583.03 million Deposits $1.24 billion Equity Capital $405.09 million Loan Loss Allowance $5.40 million Unbacked Noncurrent Loans $8.53 million Real Estate Owned $41,000 Historic Data - December 2011 Assets $1.11 billion Equity Capital $389.28 million Loan Loss Allowance $5.82 million Unbacked Noncurrent Loans $7.18 million Real Estate Owned $96,000 Profit Margin - Quarterly Net Interest Margin 2.87% Return on Assets 0.49% Return on Equity 1.99% Interest Income $26.07 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 M&T Bank, National Association had $8.57 million in non-current loans and owned real-estate with $410.49 million in equity and loan loss allowances on hand to cover it. This gives M&T Bank, National Association a Texas Ratio of 2.09% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for M&T Bank, National Association held steady from 1.85% as of December 31, 2011 to 2.09% as of December 31, 2012, resulting in a negative change of 12.70%. This indicates that the balance sheet and financial strength for M&T Bank, National Association has held steady in recent periods. Deposit Growth In the past year, M&T Bank, National Association has increased its total deposits by $829.74 million, resulting in 202.16% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth M&T Bank, National Association has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. M&T Bank, National Association has $1.85 billion in assets with $410.49 million in equity, resulting in a capitalization level of 22.23%, which is excellent.

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