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Mizuho Trust & Banking Co.(usa)

New York, NY · Cert 27089

FDIC · 1 branch

Q3 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2017, the quarter ended September 30, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Mizuho Trust & Banking Co.(usa)

New York, NY · Cert 27089

FDIC · 1 branch

Q3 2017

$837.5MAssets
n/aLoans
$752.5MDeposits
$73.8MEquity
Deposit mix
88%Interest-bearing $660.3M12%Noninterest $92.2MQ3 2016Q3 2017

NIM

0.27%Q3 ’150.55%Q3 ’161.01%Q3 ’17+110%+76%

Non-interest income vs. expense

4.94%Q3 ’154.95%Q3 ’165.67%Q3 ’17+48%-34%

Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2017 SOD (annual) · 0.0% share · #103 of 210 inst. · $0.5B of $1816.5B

Executive Summary

  • Earnings: ROA of 1.00%, up 39 bps year over year; NIM at 0.94%.
  • Capital: tier 1 leverage ratio of 9.85%, up 167 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

1.00%+39 bps YoY

Net Interest Margin (YTD, annualized)

0.94%+40 bps YoY

Efficiency Ratio (YTD, annualized)

79.99%-474 bps YoY

Tier 1 Leverage Ratio

9.85%+167 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.61%0.71%1.03%1.06%1.00%+39 bps
Return on Equity7.11%7.57%9.18%9.35%9.48%+238 bps
Net Interest Margin0.53%0.65%0.89%0.92%0.94%+40 bps
Efficiency Ratio84.73%83.74%80.01%80.15%79.99%-474 bps
Non-Interest Burden-0.36%-0.46%-0.63%-0.49%-0.48%-12 bps
Growth
Asset Growth (YoY)-5.03%-36.13%-0.73%-16.80%6.92%+1,195 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)-6.27%-40.95%-1.72%-19.81%6.76%+1,303 bps
Asset Quality
Nonperforming Loans / Loansn/an/a0.00%n/an/an/an/a
Net Charge-Offs / Loansn/a0.00%0.00%0.00%0.00%n/a
Allowance / Loansn/an/a0.00%n/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.18%9.61%10.70%9.77%9.85%+167 bps
Total Risk-Based Capital60.02%73.23%46.18%76.04%97.54%+3,752 bps
Equity / Assets8.58%14.53%9.25%11.54%8.81%+23 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.50%0.00%0.00%0 bps
Liquid Assets / Assets85.74%88.30%76.60%90.19%92.58%+684 bps
CRE / Total Capitaln/an/an/an/an/an/an/a