PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

General Motors Trust Bank, National Association

New York, NY · Cert 57692

FDIC

Q2 2011

$16.0MAssets
n/aLoans
n/aDeposits
$12.2MEquity

Executive Summary

  • Earnings: ROA of -0.48%, down 51 bps year over year; NIM at 0.00%.

Return on Assets (quarter, annualized)

-0.48%-51 bps YoY

Net Interest Margin (quarter, annualized)

0.00%-1 bps YoY

Efficiency Ratio (quarter, annualized)

100.38%+40 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.00%Q2 ’090.01%Q2 ’100.00%Q2 ’11-100%

Non-interest income vs. expense

271%Q2 ’09236%Q2 ’10-117.27%Q2 ’11+98%+2492%

Discrete quarter, annualized.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010Q4 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets1.03%0.70%0.80%0.03%0.26%0.06%0.05%-0.48%-51 bps
Return on Equity5.89%3.92%4.21%0.16%1.21%0.29%0.26%-1.47%-163 bps
Net Interest Margin0.02%0.01%0.02%0.01%0.02%0.02%0.03%0.00%-1 bps
Efficiency Ratio99.33%99.53%99.35%99.98%99.83%99.96%99.95%100.38%+40 bps
Non-Interest Burden-1.60%-1.10%-1.32%-0.04%-0.39%-0.07%-0.05%1.02%+106 bps
Growth
Asset Growth (YoY)-22.97%-6.83%-11.54%-18.49%-12.67%-10.16%-3.60%-69.95%-5,147 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 Capital19.62%21.58%24.56%29.18%24.30%25.73%25.61%293%+26,392 bps
Equity / Assets17.08%18.50%19.75%22.99%20.03%20.89%20.59%76.56%+5,357 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%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a