Mitsubishi UFJ Trust & Banking Corporation (U.S.A.)

Mitsubishi UFJ Trust & Banking Corporation (U.S.A.) is headquartered in New York and is the 114^st largest bank in the state of New York. It is also the 2,641^st largest bank in the nation. It was established in 1986 and as of March of 2012, it had grown to 74 employees at 1 location. Mitsubishi UFJ Trust & Banking Corporation (U.S.A.) has a 4-star health rating.

Data for Q1 2012

Institution Statistics Mitsubishi UFJ Trust & Banking Corporation (U.S.A.) FDIC Certificate # 26621 BankRate Report View Year Established 1986 Employees 74 Primary Regulator FDIC Assets and Liabilities Assets $243.77 million Loans $173,000 Deposits $19.77 million Equity Capital $219.61 million Loan Loss Allowance $315,000 Unbacked Noncurrent Loans $308,000 Historic Data - March 2011 Assets $290.48 million Equity Capital $213.92 million Loan Loss Allowance $315,000 Unbacked Noncurrent Loans $447,000 Profit Margin - Quarterly Net Interest Margin 0.58% Return on Assets 7.61% Return on Equity 9.01% Interest Income $344,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Mitsubishi UFJ Trust & Banking Corporation (U.S.A.) had $308,000 in non-current loans and owned real-estate with $219.92 million in equity and loan loss allowances on hand to cover it. This gives Mitsubishi UFJ Trust & Banking Corporation (U.S.A.) a Texas Ratio of 0.14% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Mitsubishi UFJ Trust & Banking Corporation (U.S.A.) decreased slightly from 0.21% as of March 31, 2011 to 0.14% as of March 31, 2012, resulting in a positive change of 32.88%.This indicates that the balance sheet and financial strength for Mitsubishi UFJ Trust & Banking Corporation (U.S.A.) has improved slightly in recent periods. Deposit Growth In the past year, Mitsubishi UFJ Trust & Banking Corporation (U.S.A.) has decreased its total deposits by -$53.73 million, resulting in -73.1% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Mitsubishi UFJ Trust & Banking Corporation (U.S.A.) has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Mitsubishi UFJ Trust & Banking Corporation (U.S.A.) has $243.77 million in assets with $219.92 million in equity, resulting in a capitalization level of 90.22%, which is excellent.

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