Morgan Stanley Bank, National Association in Salt Lake City, Utah (UT)

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Morgan Stanley Bank, National Association
GeneralFDIC Certificate #: 32992
Status: Active
Federal Reserve ID: 1456501
Bank Holding Company (Regulatory Top Holder): Morgan Stanley Delta Holdings Llc (RSSDID: 4368883, Location: New York, NY)
Date Established: May 25, 1990
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 46173
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: All Other Specialization > 1 Billion
Date of Deposit Insurance: May 25, 1990
Last Structure Change Effective Date: June 24, 2009
Last Structure Change Process Date: June 24, 2009
Last Data Update: June 24, 2009
Data Source Date: April 05, 2012
LocationAddress: 201 S Main St, 5th Floor, Salt Lake City, UT 84111
County: Salt Lake
Quarterly Banking Profile Region: San Francisco
FDIC Geographic Region: San Francisco
FDIC Supervisory Region: New York
FDIC Field Office: Salt Lake City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Salt Lake City-Ogden, UT (#7160)
Combined Statistical Area (CSA): Salt Lake City-Ogden-Clearfield, UT (#482)
Core Based Statistical Area (CBSA): Salt Lake City, UT (#41620)
CBSA Metro Statistical Area: Salt Lake City, UT (#41620)
Financial SummaryTotal assets: $67,047.0 mil
Equity capital: $8,833.0 mil
Deposits held in domestic offices: $54,776.0 mil
Return on assets (ROA): 0.75% ($502.9 mil)
Quarterly return on assets: 0.87% ($583.3 mil)
Return on Equity (ROE): 6.05% ($534.4 mil)
Quarterly return on equity: 6.64% ($586.5 mil)
Net income: $512.0 mil
Quarterly Net income: $145.0 mil
Pretax return on assets: 1.31% ($878,315.7 mil)
Quarterly Pretax return on assets: 1.60% ($1,072,752.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)215
Total assets$67,047,000
Cash and due from depository institutions$12,233,000
Interest-bearing balances$12,193,000
Federal funds sold & reverse repurchase agreements$9,618,000
Net loans & leases$16,177,000
Loan loss allowance $5,000
Trading account assets$72,000
Bank premises and fixed assets$0
Other real estate owned$0
Goodwill and other intangibles$6,000
All other assets$976,000
Life insurance assets$67,047,000
Total liabilities and capital$58,214,000
Total liabilities$54,776,000
Total deposits$53,336,000
Interest-bearing deposits$54,776,000
Deposits held in domestic offices$77
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $234,000
Trading liabilities$247,000
Other borrowed funds $1,500,000
Subordinated debt $1,457,000
All other liabilities $8,833,000
Total equity capital$8,833,000
Total bank equity capital$8,833,000
Perpetual preferred stock$0
Common stock$0
Undivided profits $1,371,000
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $8,466,000
Income earned, not collected on loans $61,000
Earning assets $0
Long-term assets (5+ years) $101,000
Average Assets, year-to-date $65,962,000
Average Assets, quarterly $13,544,000
Volatile liabilities $67,960,400
Insider loans $66,920,000
FHLB advances $57,554,000
Loans and leases held for sale $65,939,000
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $8,702,000
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $52,867,000
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $807,000
Total interest expense $465,000
Net interest income $342,000
Provision for loan and lease losses -$59,000
Total noninterest income $648,000
Fiduciary activities $0
Service charges on deposit accounts $0
Trading account gains & fees $228,000
Additional noninterest income $420,000
Total noninterest expense $300,000
Salaries and employee benefits $91,000
Premises and equipment expense $6,000
Additional noninterest expense $203,000
Pre-tax net operating income $749,000
Securities gains (losses) $142,000
Applicable income taxes $379,000
Income before extraordinary items $512,000
Extraordinary gains - net $0
Net income attributable to bank $512,000
Net charge-offs $0
Cash dividends $512,000
Sale, conversion, retirement of capital stock, net -$63,000
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets1.21%
Cost of funding earning assets 0.70%
Net interest margin 0.51%
Noninterest income to earning assets 0.97%
Noninterest expense to earning assets 0.45%
Net operating income to assets 0.62%
Return on assets (ROA) 0.75%
Pretax return on assets 1.31%
Return on equity (ROE) 6.05%
Retained earnings to average equity (YTD only) 6.05%
Net charge-offs to loans -0.45%
Credit loss provision to net charge-offs 93.65%
Efficiency ratio0.00%
Assets per employee$30,303
Cash dividends to net income (YTD only)311.85%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.03%
Noncurrent assets plus other real estate owned to assets 8.20%
Noncurrent loans to loans 0.09%
Net loans and leases to deposits0.38%
Net loans and leases to core deposits 29.53%
Equity capital to assets 84.95%
Core capital (leverage) ratio 13.17%
Tier 1 risk-based capital ratio 13.20%
Total risk-based capital ratio 15.12%
Average assets$18
Average earning assets$67,960,400
Average equity $8,466,400
Average loans $66,813,400
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1 Utah Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
046173Morgan Stanley Bank, National Association201 S Main St, 5th Floor, Salt Lake City, UT 84111May 25, 1990Full Service Brick and Mortar
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