PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

U.S. Bank Trust National Association

Seattle, WA · Cert 33804

FDIC

Q4 2001

$128.2MAssets
n/aLoans
n/aDeposits
$124.4MEquity

Executive Summary

  • Earnings: ROA of 4.33%, down 18 bps year over year; NIM at 1.91%.

Return on Assets (quarter, annualized)

4.33%-18 bps YoY

Net Interest Margin (quarter, annualized)

1.91%

Efficiency Ratio (quarter, annualized)

47.27%

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.46%Q1 ’012.89%Q3 ’011.91%Q4 ’01-35%-34%

Non-interest income vs. expense

7.60%Q1 ’016.50%Q3 ’016.05%Q4 ’01-104%-64%

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets3.70%3.72%4.08%4.51%4.14%2.99%3.70%4.33%-18 bps
Return on Equityn/an/an/an/an/a3.09%3.81%4.47%n/a
Net Interest Marginn/an/an/an/a4.46%3.47%2.89%1.91%n/a
Efficiency Ration/an/an/an/a56.28%57.08%52.64%47.27%n/a
Non-Interest Burdenn/an/an/an/a-1.45%-1.26%-2.95%-4.85%n/a
Growth
Asset Growth (YoY)3.46%3.25%3.93%4.73%5.20%4.36%4.39%3.76%-97 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/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/a445%454%450%456%n/a
Equity / Assetsn/an/an/an/a96.23%97.31%96.83%97.00%n/a
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%73.86%74.38%74.88%75.62%+7,562 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a