Call reports 2002
UNITED STATES TRUST COMPANY, NATIONAL ASSOCIATION — 2002
What UNITED STATES TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 5,036,172,000 | 5,324,652,000 | 5,231,048,000 | 5,553,622,000 |
| Total loans | 3,839,028,000 | 3,881,260,000 | 3,993,352,000 | 4,190,922,000 |
| Allowance for loan losses | 18,848,000 | 19,430,000 | 19,955,000 | 20,481,000 |
| Securities available for sale | 804,572,000 | 901,181,000 | 853,220,000 | 786,075,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,993,165,000 | 3,036,437,000 | 3,366,252,000 | 3,879,236,000 |
| Interest-bearing deposits | 2,476,234,000 | 2,510,300,000 | 2,827,599,000 | 3,165,236,000 |
| Noninterest-bearing deposits | 516,931,000 | 526,137,000 | 538,653,000 | 714,000,000 |
| Equity capital | 359,422,000 | 370,544,000 | 370,276,000 | 351,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 65,634,000 | 130,723,000 | 196,508,000 | 260,438,000 |
| Interest expense | 23,704,000 | 50,170,000 | 77,958,000 | 104,214,000 |
| Net interest income | 41,930,000 | 80,553,000 | 118,550,000 | 156,224,000 |
| Noninterest income | 59,361,000 | 123,922,000 | 173,332,000 | 222,348,000 |
| Noninterest expense | 96,555,000 | 185,295,000 | 274,633,000 | 395,765,000 |
| Provision for loan losses | 490,000 | 1,066,000 | 1,587,000 | 2,113,000 |
| Pretax income | 5,526,000 | 20,751,000 | 19,783,000 | -15,078,000 |
| Income tax | 661,000 | 5,393,000 | 4,389,000 | -9,597,000 |
| Net income | 15,189,000 | 25,682,000 | 25,718,000 | 4,843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 368,953,000 | 379,433,000 | 380,963,000 | 359,867,000 |
| Total capital | 387,801,000 | 398,863,000 | 400,918,000 | 380,348,000 |
| Risk-weighted assets | 2,691,166,000 | 2,846,499,000 | 2,851,695,000 | 2,980,936,000 |