PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

UBS Painewebber Trust Company, National Association

Weehawken, NJ · Cert 57388

FDIC

Q2 2015

$50.1MAssets
n/aLoans
n/aDeposits
$48.4MEquity

Executive Summary

  • Earnings: ROA of -6.14%, down 8 bps year over year; NIM at 0.18%.
  • Capital: tier 1 leverage ratio of 95.96%.

Return on Assets (quarter, annualized)

-6.14%-8 bps YoY

Net Interest Margin (quarter, annualized)

0.18%-4 bps YoY

Efficiency Ratio (quarter, annualized)

126.09%+60 bps YoY

Tier 1 Leverage Ratio

95.96%

NIM

0.23%Q2 ’130.22%Q2 ’140.18%Q2 ’15-6%-17%

Non-interest income vs. expense

19.54%Q2 ’1329.73%Q2 ’1429.69%Q2 ’15+1438%+1%

Discrete quarter, annualized.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets-3.54%-2.81%-2.89%-6.06%-25.07%-7.95%-4.42%-6.14%-8 bps
Return on Equity-3.58%-2.86%-2.99%-6.25%-26.66%-8.66%-4.65%-6.35%-10 bps
Net Interest Margin0.18%0.22%0.22%0.22%0.22%0.21%0.23%0.18%-4 bps
Efficiency Ratio117.76%111.96%112.37%125.48%245%129.81%118.28%126.09%+60 bps
Non-Interest Burden3.67%3.03%3.09%6.26%25.23%8.04%4.60%6.32%+7 bps
Growth
Asset Growth (YoY)0.78%0.76%-0.02%-3.22%-0.39%-6.70%-11.81%-9.47%-624 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/a93.52%95.96%n/a
Total Risk-Based Capital469%452%112.75%116.71%93.11%97.16%458%465%+34,812 bps
Equity / Assets98.68%97.66%95.68%98.27%89.91%93.63%96.65%96.68%-159 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets92.63%89.37%88.23%92.05%90.04%88.31%92.23%91.74%-32 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a