Manufacturers and Traders Trust Company, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Established in 1856 as Manufacturers and Traders Bank, today we’re the M&T Bank Corporation, one of the 20 largest US headquartered commercial bank holding companies, with current assets of $83.2 billion (as of June 30, 2013) and over 725 branches, free account access at more than 2,000 M&T Bank ATMs and more than 15,000 employees throughout New York, Maryland, Pennsylvania, Washington, D.C., Virginia, West Virginia, New Jersey, Florida, Delaware and Toronto, Canada (Deposits with M&T are not insured by the Canada Deposit Insurance Corporation, CDIC).

With over 725 convenient branches located throughout New York, Pennsylvania, Maryland, Washington, D.C., Virginia, West Virginia, Florida, Delaware and Toronto, Canada — plus free account access at over 2,000 Manufacturers and Traders Bank ATMs — the bank is never far from where you live, work, shop and play.

M&T offers a wide array of financial solutions for your personal, business and commercial banking needs, designed to accommodate the way you bank today, while helping you build financial security for the future. You'll find Manufacturers and Traders Bank to be a reliable bank that’s strong and stable.