PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

U.S. Bank Trust National Association

New York, NY · Cert 33929

FDIC

Q4 2001

$130.0MAssets
n/aLoans
n/aDeposits
$119.3MEquity

Executive Summary

  • Earnings: ROA of 3.31%, up 37 bps year over year; NIM at 1.72%.

Return on Assets (YTD, annualized)

3.31%+37 bps YoY

Net Interest Margin (YTD, annualized)

1.72%

Efficiency Ratio (YTD, annualized)

71.46%

Tier 1 Leverage Ratio

n/a
n/a

NIM

2.31%Q1 ’011.98%Q3 ’011.72%Q4 ’01-14%-13%

Non-interest income vs. expense

12.85%Q1 ’0113.69%Q3 ’0112.76%Q4 ’01+30%-444%

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets-0.56%2.89%2.77%2.93%2.25%1.53%1.64%3.31%+37 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a2.31%2.07%1.98%1.72%n/a
Efficiency Ration/an/an/an/a80.12%85.66%84.02%71.46%n/a
Non-Interest Burdenn/an/an/an/a-0.88%-0.25%-0.62%-3.38%n/a
Growth
Asset Growth (YoY)-0.18%2.87%2.74%3.31%4.51%1.78%2.44%3.28%-3 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/a293%292%299%305%n/a
Equity / Assetsn/an/an/an/a91.33%91.35%91.49%91.71%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%38.21%39.35%40.53%41.78%+4,178 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a