PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $1.0BQ3 2000Q3 2001

NIM

4.66%Q1 ’014.22%Q2 ’014.12%Q3 ’01-12%-15%

Non-interest income vs. expense

2.49%Q1 ’012.21%Q2 ’012.71%Q3 ’01+412%+27%

Executive Summary

  • Earnings: ROA of -0.11%, down 114 bps year over year; NIM at 0.70%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.88%.
  • Funding: loans stand at 546.70% of deposits as of Q3 2001.

Financial Results

Return on Assets (quarter, annualized)

-0.11%-114 bps YoY

Net Interest Margin (quarter, annualized)

0.70%

Efficiency Ratio (quarter, annualized)

99.35%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.03%0.92%0.64%0.03%1-0.11%-114 bps
Return on Equityn/an/an/a0.62%-2.22%n/a
Net Interest Marginn/an/a0.95%0.83%0.70%n/a
Efficiency Ration/an/a68.96%88.40%99.35%n/a
Non-Interest Burdenn/an/a-0.17%0.54%0.69%n/a
Growth
Asset Growth (YoY)11.02%10.79%-54.54%-57.00%-45.03%-5,605 bps
Loan Growth (YoY)1.87%-6.50%-7.45%-13.04%-12.17%-1,404 bps
Deposit Growth (YoY)-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 bps
Net Charge-Offs / Loansn/an/a0.40%0.90%0.88%n/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/a11.37%11.40%11.04%n/a
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits62.48%61.73%545%504%547%+48,422 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a