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Morgan Guaranty Trust Company of New York

New York, NY · Cert 637

FDIC

Q3 2001

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 2001, the quarter ended September 30, 2001, 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

Morgan Guaranty Trust Company of New York

New York, NY · Cert 637

FDIC

Q3 2001

$228.1BAssets
$23.1BLoans
$4.2BDeposits
$11.0BEquity
Deposit mix
77%Interest-bearing $3.2B23%Noninterest $1.0BQ4 1999Q3 2001

Executive Summary

  • Earnings: ROA of 0.18%, down 85 bps year over year; NIM at 0.89%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.73%.
  • Funding: loans stand at 546.70% of deposits as of Q3 2001.

Return on Assets (YTD, annualized)

0.18%-85 bps YoY

Net Interest Margin (YTD, annualized)

0.89%

Efficiency Ratio (YTD, annualized)

83.26%

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.66%Q1 ’014.50%Q2 ’014.66%Q3 ’01-5%-1%

Non-interest income vs. expense

2.49%Q1 ’012.38%Q2 ’012.64%Q3 ’01+205%+99%

Year to date, annualized, through each quarter.

MetricQ4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.91%1.13%0.89%1.03%0.92%0.64%0.34%0.18%-85 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a0.95%0.90%0.89%n/a
Efficiency Ration/an/an/an/an/a68.96%76.81%83.26%n/a
Non-Interest Burdenn/an/an/an/an/a-0.17%0.18%0.36%n/a
Growth
Asset Growth (YoY)-5.37%-1.62%-2.32%11.02%10.79%-54.54%-57.00%-45.03%-5,605 bps
Loan Growth (YoY)-3.10%-5.04%-5.82%1.87%-6.50%-7.45%-13.04%-12.17%-1,404 bps
Deposit Growth (YoY)-15.13%-16.18%-16.18%-15.93%-17.23%-91.31%-90.73%-89.96%-7,404 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/a0.40%0.65%0.73%n/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 Capitaln/an/an/an/an/a11.37%11.40%11.04%n/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits54.64%51.15%53.75%62.48%61.73%545%504%547%+48,422 bps
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