Call reports 2003
UNITED STATES TRUST COMPANY, NATIONAL ASSOCIATION — 2003
What UNITED STATES TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 5,654,173,000 | 5,849,998,000 | 6,490,755,000 | 6,469,319,000 |
| Total loans | 4,303,926,000 | 4,595,563,000 | 5,096,935,000 | 4,857,873,000 |
| Allowance for loan losses | 21,313,000 | 22,038,000 | 22,813,000 | 23,063,000 |
| Securities available for sale | 920,995,000 | 849,098,000 | 823,789,000 | 837,264,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,827,012,000 | 3,624,432,000 | 4,275,883,000 | 4,879,795,000 |
| Interest-bearing deposits | 3,284,252,000 | 3,137,146,000 | 3,808,642,000 | 4,239,858,000 |
| Noninterest-bearing deposits | 542,760,000 | 487,286,000 | 467,241,000 | 639,937,000 |
| Equity capital | 355,302,000 | 358,662,000 | 363,306,000 | 361,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 62,434,000 | 124,896,000 | 186,182,000 | 249,224,000 |
| Interest expense | 24,109,000 | 48,029,000 | 72,377,000 | 97,933,000 |
| Net interest income | 38,325,000 | 76,867,000 | 113,805,000 | 151,291,000 |
| Noninterest income | 48,717,000 | 97,173,000 | 148,258,000 | 199,349,000 |
| Noninterest expense | 85,481,000 | 171,328,000 | 258,753,000 | 353,548,000 |
| Provision for loan losses | 750,000 | 1,475,000 | 2,225,000 | 2,975,000 |
| Pretax income | 665,000 | 2,070,000 | 4,779,000 | -2,170,000 |
| Income tax | -1,095,000 | -1,740,000 | -1,954,000 | -4,674,000 |
| Net income | 1,760,000 | 3,810,000 | 6,733,000 | 2,504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 356,317,000 | 358,038,000 | 360,963,000 | 356,726,000 |
| Total capital | 377,630,000 | 380,076,000 | 383,776,000 | 379,789,000 |
| Risk-weighted assets | 3,014,056,000 | 3,188,819,000 | 3,518,711,000 | 3,418,984,000 |