Bessemer Trust Company
                    
                            Major Rating Factors:
                             Operating profits as a percentage of assets at 4.5%, coupled with a return on assets of 3.4 has resulted in Excellent (9.5) profitability. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.4). 
                        
                    
                            Other Rating Factors:
                             Excellent current capitalization (8.1 on a scale of 0 to 10) based on a risk-based capital ratio of 44.0 and a capital leverage ratio of 9.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10). 
                        
                    
                            Asset Mix:
                            Cash (62%), securities (22%), consumer loans (10%), comm loans (2%), other (5%)
                        
                    
                            States with Branches:
                             NJ
                        
                    Asset Quality
                        Non-Performing Loans to Capital
                            
                        Non-Performing Assets to Assets
                            
                        Non-Performing Loans to Loans
                            
                        Loan Loss Reserves to Loans
                            
                        Charge-Offs to Average Loans
                            
                        5-Year Charge-Offs to Average Loans
                            
                        5-Year Asset Growth
                            
                        1-Year Asset Growth
                            
                        Profitability
                        Operating Profit to Average Assets
                            
                        Return on Equity
                            
                        Net Interest Spread
                            
                        5-Year ROAA (Return on Average Assets)
                            
                        Overhead Efficiency Ratio
                            
                        Corporate Info
                        Group Affiliation
                            The Bessemer Group, Incorporated
                        Investment Rating
                            
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                        Address
                            
                                100 Woodbridge Center Drive 
Woodbridge, NJ 07095
                        Woodbridge, NJ 07095
Phone Number
                            (732) 694-5500
                        Year Founded
                              1907
                        FDIC Number
                            
                        Website
                            
                        Largest Affiliates
                        
                                                    New York, NY
                                                     - 
                                                    Bank
                                                
                                            
                                                    Wilmington, DE
                                                     - 
                                                    Bank
                                                
                                            
                                                    San Francisco, CA
                                                     - 
                                                    Bank
                                                
                                            
                                                    Las Vegas, NV
                                                     - 
                                                    Bank