Manufacturers and Traders Trust Company

Weiss Ratings	Manufacturers and Traders Trust Company Buffalo, NY	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	3.00
Capitalization Index	6.80
Liquidity Index	2.80
Profitability Index	6.50
Stability Index	10.00

Company Info	Manufacturers and Traders Trust Company Buffalo, NY	Click to Compare	Click to Compare	Click to Compare
FDIC Number	588
Phone Number	(716) 842-4470
Website	www3.mtb.com

Asset Quality	Manufacturers and Traders Trust Company Buffalo, NY	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	3.75%
5-Year Asset Growth	14.73%
5-Year Charge-Offs to Average Loans	0.18%
Charge-Offs to Average Loans	0.33%
Non-Performing Assets to Assets	1.67%
Non-Performing Loans to Capital	14.22%
Non-Performing Loans to Loans	2.60%

Balance Sheet	Manufacturers and Traders Trust Company Buffalo, NY	Click to Compare	Click to Compare	Click to Compare
Total Assets	207.77B
Total Deposits	167.29B

Capital and Reserves	Manufacturers and Traders Trust Company Buffalo, NY	Click to Compare	Click to Compare	Click to Compare
Capital	25.71B
Leverage Ratio	8.83
Loan Loss Reserves to Loans	1.59%
Risk-Based Capital Ratio	12.97

Liquidity	Manufacturers and Traders Trust Company Buffalo, NY	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	5.08%
Liquidity Ratio	22.87%

Profitability	Manufacturers and Traders Trust Company Buffalo, NY	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.32%
Net Income	2.65B
Net Interest Spread	3.91%
Operating Profit to Average Assets	1.70%
Overhead Efficiency Ratio	54.59%
Return on Assets	1.29%
Return on Equity	10.53%