PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

U.S. Bank Trust National Association

Chicago, IL · Cert 34094

FDIC

Q4 2001

$120.9MAssets
n/aLoans
n/aDeposits
$119.1MEquity

Executive Summary

  • Earnings: ROA of 3.47%, down 19 bps year over year; NIM at 2.36%.

Return on Assets (YTD, annualized)

3.47%-19 bps YoY

Net Interest Margin (YTD, annualized)

2.36%

Efficiency Ratio (YTD, annualized)

57.85%

Tier 1 Leverage Ratio

n/a
n/a

NIM

3.26%Q1 ’012.67%Q3 ’012.36%Q4 ’01-18%-12%

Non-interest income vs. expense

8.15%Q1 ’017.65%Q3 ’017.28%Q4 ’01-219%-205%

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.88%3.33%3.37%3.66%2.36%2.37%2.37%3.47%-19 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.26%2.92%2.67%2.36%n/a
Efficiency Ration/an/an/an/a69.61%67.97%67.77%57.85%n/a
Non-Interest Burdenn/an/an/an/a-0.30%-0.71%-0.97%-2.95%n/a
Growth
Asset Growth (YoY)2.42%3.16%3.06%3.87%3.97%2.38%2.84%3.39%-48 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/a449%457%457%461%n/a
Equity / Assetsn/an/an/an/a98.25%98.99%98.60%98.50%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%54.54%55.35%56.56%56.98%+5,698 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a