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U.S. Bank National Association Mt

Billings, MT · Cert 2162

FDIC

Q4 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2001, the quarter ended December 31, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

U.S. Bank National Association Mt

Billings, MT · Cert 2162

FDIC

Q4 2001

$1.0BAssets
$457.3MLoans
$847.1MDeposits
$143.5MEquity
Loan mix
27%RE $67.7M68%C&I $171.9M6%Consumer $14.1MQ1 2000Q4 2001
Deposit mix
78%Interest-bearing $657.0M22%Noninterest $190.1MQ1 2000Q4 2001

Executive Summary

  • Earnings: ROA of 0.69%, down 69 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.41%.
  • Funding: loans stand at 53.99% of deposits as of Q4 2001.

Return on Assets (YTD, annualized)

0.69%-69 bps YoY

Net Interest Margin (YTD, annualized)

3.60%

Efficiency Ratio (YTD, annualized)

70.80%

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.10%Q1 ’016.47%Q3 ’015.88%Q4 ’01-7%-10%

Non-interest income vs. expense

3.78%Q1 ’013.71%Q3 ’013.63%Q4 ’01+19%-15%

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.38%1.37%1.38%1.39%1.38%1.06%0.88%0.69%-69 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.30%4.18%4.00%3.60%n/a
Efficiency Ration/an/an/an/a62.72%67.31%70.67%70.80%n/a
Non-Interest Burdenn/an/an/an/a2.06%2.34%2.46%2.10%n/a
Growth
Asset Growth (YoY)-1.27%7.46%2.12%7.68%2.89%-6.64%6.84%-8.18%-1,586 bps
Loan Growth (YoY)-16.52%-18.68%-13.91%-10.54%-17.54%-12.61%-9.47%-24.64%-1,409 bps
Deposit Growth (YoY)-2.12%2.50%1.85%9.65%2.18%-1.39%-0.80%-6.60%-1,625 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.35%0.39%0.44%0.41%n/a
Allowance / Loansn/an/an/an/a1.74%1.64%1.51%1.78%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/a19.49%18.80%19.06%20.46%n/a
Equity / Assetsn/an/an/an/a13.12%13.81%12.81%14.24%n/a
Liquidity & Funding
Loans / Deposits75.61%72.13%69.98%66.90%61.01%63.92%63.87%53.99%-1,292 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.01%0.01%0.01%0.01%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a