Morgan Stanley Trust

Morgan Stanley Trust is headquartered in Purchase and is the 9^th largest bank in the state of New York. It is also the 93^rd largest bank in the nation. It was established in 1996 and as of March of 2012, it had grown to 529 employees at 2 locations. Morgan Stanley Trust has a 5-star health rating.

Data for Q1 2012

Institution Statistics Morgan Stanley Private Bank, National Association FDIC Certificate # 34221 BankRate Report View Year Established 1996 Employees 529 Primary Regulator OCC Assets and Liabilities Assets $12.07 billion Loans $5.97 billion Deposits $10.69 billion Equity Capital $1.29 billion Loan Loss Allowance $2.59 million Unbacked Noncurrent Loans $1.51 million Historic Data - March 2011 Assets $7.40 billion Equity Capital $913.25 million Loan Loss Allowance $1.21 million Unbacked Noncurrent Loans $308,000 Profit Margin - Quarterly Net Interest Margin 1.65% Return on Assets 0.45% Return on Equity 4.24% Interest Income $64.25 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 Trust had $1.51 million in non-current loans and owned real-estate with $1.3 billion in equity and loan loss allowances on hand to cover it. This gives Morgan Stanley Trust a Texas Ratio of 0.12% 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 Morgan Stanley Trust held steady from 0.03% as of March 31, 2011 to 0.12% as of March 31, 2012, resulting in a negative change of 246.79%. This indicates that the balance sheet and financial strength for Morgan Stanley Trust has held steady in recent periods. Deposit Growth In the past year, Morgan Stanley Trust has increased its total deposits by $4.25 billion, resulting in 65.88% 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 Trust has shown is excellent. 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 Trust has $12.07 billion in assets with $1.3 billion in equity, resulting in a capitalization level of 10.74%, which is above average.

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