PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

U.S. Bank National Association Or

Canby, OR · Cert 23922

FDIC

Q2 2001

$4.3MAssets
$1KLoans
$57KDeposits
$4.2MEquity
Deposit mix
0%Interest-bearing $0K100%Noninterest $57KQ2 2000Q2 2001

NIM

5.35%Q1 ’015.09%Q2 ’01-5%

Non-interest income vs. expense

6.11%Q1 ’016.35%Q2 ’01-2%

Executive Summary

  • Earnings: ROA of 5.50%, up 695 bps year over year; NIM at 5.09%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 1.75% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

5.50%+695 bps YoY

Net Interest Margin (YTD, annualized)

5.09%

Efficiency Ratio (YTD, annualized)

41.59%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets-1.45%6.08%6.19%6.06%5.50%+695 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a5.35%5.09%n/a
Efficiency Ration/an/an/a40.22%41.59%n/a
Non-Interest Burdenn/an/an/a-3.74%-3.83%n/a
Growth
Asset Growth (YoY)-4.05%5.40%15.32%23.76%11.12%+1,517 bps
Loan Growth (YoY)-7.14%-29.41%-85.00%-50.00%-92.31%-8,516 bps
Deposit Growth (YoY)-90.74%-71.43%3145%6438%1040%+113,074 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.00%0.00%n/a
Allowance / Loansn/an/an/a0.00%0.00%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/a425%483%n/a
Equity / Assetsn/an/an/a87.54%98.44%n/a
Liquidity & Funding
Loans / Deposits260%54.55%0.84%1.34%1.75%-25,825 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a