PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

U.S. Bank Trust National Association

San Francisco, CA · Cert 33626

FDIC

Q4 2001

$159.8MAssets
n/aLoans
n/aDeposits
$152.9MEquity
Deposit mix
0%Interest-bearing $0K100%Noninterest $1KQ4 2000Q4 2001

NIM

2.96%Q1 ’012.41%Q3 ’012.13%Q4 ’01-19%-12%

Non-interest income vs. expense

17.80%Q1 ’0116.78%Q3 ’0116.38%Q4 ’01-97%-57%

Executive Summary

  • Earnings: ROA of 5.67%, up 89 bps year over year; NIM at 2.13%.

Financial Results

Return on Assets (YTD, annualized)

5.67%+89 bps YoY

Net Interest Margin (YTD, annualized)

2.13%

Efficiency Ratio (YTD, annualized)

64.77%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets4.78%3.24%3.44%4.22%5.67%+89 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a2.96%2.66%2.41%2.13%n/a
Efficiency Ration/a77.51%75.49%71.34%64.77%n/a
Non-Interest Burdenn/a-2.20%-2.90%-4.33%-6.78%n/a
Growth
Asset Growth (YoY)4.38%4.43%4.77%5.08%5.63%+125 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/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/a361%351%373%384%n/a
Equity / Assetsn/a95.55%95.61%95.61%95.64%n/a
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%48.56%48.96%51.62%52.71%+5,271 bps
CRE / Total Capitaln/an/an/an/an/an/an/a