Morgan Stanley Bank, National Association

Morgan Stanley Bank, National Association is headquartered in Salt Lake City and is the 2^nd largest bank in the state of Utah. It is also the 31^st largest bank in the nation. It was established in 1990 and as of March of 2012, it had grown to 203 employees at 1 location. Morgan Stanley Bank, National Association has a 5-star health rating.

Data for Q1 2012

Institution Statistics Morgan Stanley Bank, National Association FDIC Certificate # 32992 BankRate Report View Year Established 1990 Employees 203 Primary Regulator OCC Assets and Liabilities Assets $67.65 billion Loans $15.73 billion Deposits $55.50 billion Equity Capital $9.10 billion Loan Loss Allowance $6.00 million Historic Data - March 2011 Assets $68.57 billion Equity Capital $8.25 billion Loan Loss Allowance $1,000,000 Unbacked Noncurrent Loans $242.00 million Profit Margin - Quarterly Net Interest Margin 0.57% Return on Assets 1.41% Return on Equity 10.62% Interest Income $214.00 million

Institution Health Overall Score: 5 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 Morgan Stanley Bank, National Association had $0 in non-current loans and owned real-estate with $9.1 billion in equity and loan loss allowances on hand to cover it. This gives Morgan Stanley Bank, National Association a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Morgan Stanley Bank, National Association has decreased its total deposits by -$1.19 billion, resulting in -2.11% 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 Morgan Stanley Bank, National Association has shown is below average. 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. Morgan Stanley Bank, National Association has $67.65 billion in assets with $9.1 billion in equity, resulting in a capitalization level of 13.45%, which is excellent.

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