PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Morgan Stanley Trust National Association

Wilmington, DE · Cert 57628

FDIC

Q2 2011

$34.3MAssets
n/aLoans
n/aDeposits
$31.4MEquity

Executive Summary

  • Earnings: ROA of 26.29%, up 990 bps year over year; NIM at 0.03%.

Return on Assets (quarter, annualized)

26.29%+990 bps YoY

Net Interest Margin (quarter, annualized)

0.03%-23 bps YoY

Efficiency Ratio (quarter, annualized)

61.28%-2,239 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.94%Q2 ’090.26%Q2 ’100.03%Q2 ’11-72%-87%

Non-interest income vs. expense

153.49%Q2 ’09137.91%Q2 ’1064.20%Q2 ’11-928%-52%

Discrete quarter, annualized.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010Q4 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets-3.87%-9.88%-5.90%16.39%1.29%5.59%19.16%26.29%+990 bps
Return on Equity-4.47%-11.39%-6.62%17.72%1.51%6.42%21.24%29.10%+1,138 bps
Net Interest Margin-1.24%0.11%0.10%0.26%0.14%0.26%0.09%0.03%-23 bps
Efficiency Ratio104.93%111.05%107.45%83.67%98.35%93.27%66.39%61.28%-2,239 bps
Non-Interest Burden4.26%14.31%9.28%-26.66%-1.81%-7.28%-28.11%-40.53%-1,387 bps
Growth
Asset Growth (YoY)32.80%43.07%28.50%-8.32%9.46%54.36%85.20%82.51%+9,084 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/an/an/an/an/a
Total Risk-Based Capital243%196.08%334%347%297%979%1482%1208%+86,125 bps
Equity / Assets88.15%85.41%93.32%91.70%80.77%91.30%89.15%91.46%-24 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.33%3.66%27.97%+2,797 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a