Call reports 2004
UNITED STATES TRUST COMPANY, NATIONAL ASSOCIATION — 2004
What UNITED STATES TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 6,338,405,000 | 6,691,553,000 | 6,745,270,000 | 6,763,260,000 |
| Total loans | 4,984,351,000 | 5,353,670,000 | 5,581,855,000 | 4,810,368,000 |
| Allowance for loan losses | 23,438,000 | 23,832,000 | 23,832,000 | 21,729,000 |
| Securities available for sale | 746,754,000 | 719,577,000 | 605,764,000 | 1,273,493,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,759,857,000 | 4,767,157,000 | 4,978,497,000 | 5,324,623,000 |
| Interest-bearing deposits | 4,152,356,000 | 4,256,970,000 | 4,394,049,000 | 4,567,621,000 |
| Noninterest-bearing deposits | 607,501,000 | 510,187,000 | 584,448,000 | 757,002,000 |
| Equity capital | 368,479,000 | 371,750,000 | 386,035,000 | 411,836,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 61,007,000 | 123,637,000 | 191,104,000 | 258,130,000 |
| Interest expense | 23,676,000 | 46,271,000 | 71,630,000 | 100,353,000 |
| Net interest income | 37,331,000 | 77,366,000 | 119,474,000 | 157,777,000 |
| Noninterest income | 52,817,000 | 105,169,000 | 160,431,000 | 218,238,000 |
| Noninterest expense | 90,387,000 | 183,392,000 | 279,460,000 | 381,815,000 |
| Provision for loan losses | 375,000 | 750,000 | 750,000 | 750,000 |
| Pretax income | -723,000 | 1,918,000 | 5,062,000 | -498,000 |
| Income tax | -1,284,000 | -461,000 | -122,000 | -4,719,000 |
| Net income | 561,000 | 2,379,000 | 5,184,000 | 4,221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 357,336,000 | 359,238,000 | 372,023,000 | 390,318,000 |
| Total capital | 380,774,000 | 383,070,000 | 395,855,000 | 412,047,000 |
| Risk-weighted assets | 3,351,006,000 | 3,557,915,000 | 3,743,287,000 | 3,862,167,000 |