M&T Bank, National Association

M&T Bank, National Association is headquartered in Wilmington and is the 14^st largest bank in the state of Delaware. It is also the 503^rd largest bank in the nation. It was established in 1995 and as of March of 2012, it had grown to 478 employees at 5 locations. M&T Bank, National Association has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Wilmington Trust, National Association FDIC Certificate # 34069 BankRate Report View Year Established 1995 Employees 478 Primary Regulator OCC Assets and Liabilities Assets $1.33 billion Loans $617.82 million Deposits $571.97 million Equity Capital $391.43 million Loan Loss Allowance $5.79 million Unbacked Noncurrent Loans $7.92 million Historic Data - March 2011 Assets $775.64 million Equity Capital $166.12 million Loan Loss Allowance $6.06 million Unbacked Noncurrent Loans $7.57 million Real Estate Owned $340,000 Profit Margin - Quarterly Net Interest Margin 2.83% Return on Assets 0.36% Return on Equity 1.11% Interest Income $6.90 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 March 31, 2012 M&T Bank, National Association had $7.92 million in non-current loans and owned real-estate with $397.22 million in equity and loan loss allowances on hand to cover it. This gives M&T Bank, National Association a Texas Ratio of 1.99% 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 decreased significantly from 4.60% as of March 31, 2011 to 1.99% as of March 31, 2012, resulting in a positive change of 56.64%.This indicates that the balance sheet and financial strength for M&T Bank, National Association has improved significantly in recent periods. Deposit Growth In the past year, M&T Bank, National Association has increased its total deposits by $143.36 million, resulting in 33.45% 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 $1.33 billion in assets with $397.22 million in equity, resulting in a capitalization level of 29.84%, which is excellent.

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