PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

U.S. Bank Trust National Association

Saint Paul, MN · Cert 90319

FDIC

Q4 2001

$91.3MAssets
n/aLoans
n/aDeposits
$55.8MEquity

Executive Summary

  • Earnings: ROA of 12.00%, up 1,250 bps year over year; NIM at 0.05%.

Return on Assets (quarter, annualized)

12.00%+1,250 bps YoY

Net Interest Margin (quarter, annualized)

0.05%

Efficiency Ratio (quarter, annualized)

89.29%

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.14%Q1 ’010.06%Q3 ’010.05%Q4 ’01-55%-24%

Non-interest income vs. expense

97.86%Q1 ’0193.79%Q3 ’01151.80%Q4 ’01-197%+32%

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets3.79%5.55%3.89%-0.50%4.26%2.30%13.64%12.00%+1,250 bps
Return on Equityn/an/an/an/an/a4.11%26.65%23.23%n/a
Net Interest Marginn/an/an/an/a0.14%0.14%0.06%0.05%n/a
Efficiency Ration/an/an/an/a91.44%95.07%77.76%89.29%n/a
Non-Interest Burdenn/an/an/an/a-9.02%-6.07%-26.75%-18.15%n/a
Growth
Asset Growth (YoY)-1.82%12.00%6.46%-0.01%-4.17%-20.88%4.72%-8.19%-818 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/a109.52%124.60%157.18%198.87%n/a
Equity / Assetsn/an/an/an/a51.39%61.27%44.34%61.18%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%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a