Call reports 2005
UNITED STATES TRUST COMPANY, NATIONAL ASSOCIATION — 2005
What UNITED STATES TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 7,009,292,000 | 7,314,264,000 | 7,400,215,000 | 7,511,764,000 |
| Total loans | 4,905,287,000 | 5,106,933,000 | 5,525,347,000 | 5,699,957,000 |
| Allowance for loan losses | 21,629,000 | 20,434,000 | 21,029,000 | 21,589,000 |
| Securities available for sale | 1,674,256,000 | 1,554,886,000 | 1,426,180,000 | 1,344,023,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,208,233,000 | 5,241,814,000 | 5,087,474,000 | 5,467,438,000 |
| Interest-bearing deposits | 4,601,397,000 | 4,428,965,000 | 4,548,961,000 | 4,868,640,000 |
| Noninterest-bearing deposits | 606,836,000 | 812,849,000 | 538,513,000 | 598,798,000 |
| Equity capital | 416,833,000 | 436,100,000 | 457,406,000 | 467,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 73,074,000 | 152,961,000 | 236,920,000 | 326,572,000 |
| Interest expense | 30,358,000 | 69,980,000 | 112,013,000 | 163,581,000 |
| Net interest income | 42,716,000 | 82,981,000 | 124,907,000 | 162,991,000 |
| Noninterest income | 58,673,000 | 116,724,000 | 177,321,000 | 244,002,000 |
| Noninterest expense | 92,322,000 | 187,213,000 | 277,957,000 | 380,124,000 |
| Provision for loan losses | -100,000 | -1,295,000 | -700,000 | -140,000 |
| Pretax income | 9,170,000 | 14,373,000 | 25,557,000 | 27,595,000 |
| Income tax | 2,634,000 | 7,111,000 | 17,845,000 | 17,047,000 |
| Net income | 6,536,000 | 7,262,000 | 7,712,000 | 10,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 396,902,000 | 418,296,000 | 439,102,000 | 450,015,000 |
| Total capital | 418,531,000 | 438,730,000 | 460,131,000 | 471,604,000 |
| Risk-weighted assets | 3,954,655,000 | 4,065,327,000 | 4,458,108,000 | 4,553,257,000 |