PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

U.S. Bank Trust National Association Mt

Billings, MT · Cert 90330

FDIC

Q4 2001

$11.7MAssets
n/aLoans
n/aDeposits
$11.2MEquity

Executive Summary

  • Earnings: ROA of 5.83%, down 741 bps year over year; NIM at 2.20%.

Return on Assets (quarter, annualized)

5.83%-741 bps YoY

Net Interest Margin (quarter, annualized)

2.20%

Efficiency Ratio (quarter, annualized)

76.27%

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.06%Q1 ’012.81%Q3 ’012.20%Q4 ’01-31%-22%

Non-interest income vs. expense

33.47%Q1 ’0127.49%Q3 ’0130.97%Q4 ’01-25%+41%

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets12.23%12.82%12.56%13.24%8.55%15.01%9.08%5.83%-741 bps
Return on Equityn/an/an/an/an/a15.71%9.49%6.10%n/a
Net Interest Marginn/an/an/an/a4.06%2.79%2.81%2.20%n/a
Efficiency Ration/an/an/an/a70.29%54.77%64.13%76.27%n/a
Non-Interest Burdenn/an/an/an/a-10.08%-21.61%-12.57%-7.43%n/a
Growth
Asset Growth (YoY)16.63%14.21%12.69%15.33%13.25%13.81%12.74%8.44%-689 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/a353%348%362%346%n/a
Equity / Assetsn/an/an/an/a95.57%95.53%95.85%95.45%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%90.77%90.06%91.22%89.86%+8,986 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a