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 9.56%, down 368 bps year over year; NIM at 2.85%.

Return on Assets (YTD, annualized)

9.56%-368 bps YoY

Net Interest Margin (YTD, annualized)

2.85%

Efficiency Ratio (YTD, annualized)

65.73%

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.06%Q1 ’013.12%Q3 ’012.85%Q4 ’01-23%-9%

Non-interest income vs. expense

33.47%Q1 ’0129.31%Q3 ’0129.30%Q4 ’01-42%+14%

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets12.23%12.82%12.56%13.24%8.55%11.78%10.86%9.56%-368 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.06%3.38%3.12%2.85%n/a
Efficiency Ration/an/an/an/a70.29%61.96%62.63%65.73%n/a
Non-Interest Burdenn/an/an/an/a-10.08%-15.75%-14.37%-12.42%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