Home > TIAA-CREF Trust Company, FSB > Performance and Condition Ratios
TIAA-CREF Trust Company, FSB, Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7246% | 5,634 |
| Cost of funding earning assets | 0.6089% | 1,312 |
| Net interest margin | 2.1157% | 5,733 |
| Noninterest income to average assets | 3.5720% | 167 |
| Noninterest expense to average assets | 4.5958% | 304 |
| Loan and lease loss provision to assets | 0.0477% | 2,858 |
| Net operating income to assets | 0.6217% | 4,053 |
| Return on assets (ROA) | 0.6217% | 4,104 |
| Pretax return on assets | 0.9992% | 3,375 |
| Return on Equity (ROE) | 5.1312% | 4,329 |
| Retained earnings to average equity (ytd only) | 5.1312% | 2,811 |
| Net charge-offs to loans | 0.0128% | 2,554 |
| Credit loss provision to net charge-offs | 484.3478% | 581 |
| Earnings coverage of net charge-offs (x) | 106.2174% | 512 |
| Efficiency ratio | 81.4463% | 1,212 |
| Assets per employee ($millions) | 12.2224% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0164% | 4,185 |
| Loan loss allowance to noncurrent loans | 2,833.6391% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 5,205 |
| Noncurrent loans to loans | 0.0359% | 5,057 |
| Net loans and leases to total assets | 74.9574% | 1,583 |
| Net loans and leases to deposits | 92.3998% | 1,283 |
| Net loans and leases to core deposits | 102.6852% | 1,320 |
| Total domestic deposits to total assets | 81.1229% | 4,389 |
| Equity capital to assets | 11.8237% | 1,960 |
| Core capital (leverage) ratio | 12.3387% | 1,425 |
| Tier 1 risk-based capital ratio | 20.9346% | 1,225 |
| Total risk-based capital ratio | 22.1859% | 1,201 |
| Memoranda: | ||
| Average total assets | $4,666,909,500 | 219 |
| Average earning assets | $4,567,750,500 | 208 |
| Average equity | $565,400,000 | 212 |
| Average total loans | $3,599,839,500 | 206 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6068% | 5,725 |
| Cost of funding earning assets | 0.5881% | 1,424 |
| Net interest margin | 2.0186% | 5,804 |
| Noninterest income to average assets | 3.6572% | 158 |
| Noninterest expense to average assets | 5.2552% | 235 |
| Loan and lease loss provision to assets | 0.2306% | 940 |
| Net operating income to assets | 0.1079% | 5,551 |
| Return on assets (ROA) | 0.1075% | 5,584 |
| Pretax return on assets | 0.1354% | 5,557 |
| Return on Equity (ROE) | 0.8518% | 5,584 |
| Retained earnings to average equity (ytd only) | 0.8518% | 4,982 |
| Net charge-offs to loans | 0.0011% | 4,242 |
| Credit loss provision to net charge-offs | 25,666.6667% | 9 |
| Earnings coverage of net charge-offs (x) | 407.9722% | 198 |
| Efficiency ratio | 93.4791% | 406 |
| Assets per employee ($millions) | 11.8285% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0308% | 4,134 |
| Loan loss allowance to noncurrent loans | 4,521.2346% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 5,324 |
| Noncurrent loans to loans | 0.0228% | 5,178 |
| Net loans and leases to total assets | 77.8206% | 1,221 |
| Net loans and leases to deposits | 96.7734% | 929 |
| Net loans and leases to core deposits | 108.4189% | 996 |
| Total domestic deposits to total assets | 80.4153% | 4,473 |
| Equity capital to assets | 12.4321% | 1,561 |
| Core capital (leverage) ratio | 12.9818% | 1,138 |
| Tier 1 risk-based capital ratio | 20.9817% | 1,208 |
| Total risk-based capital ratio | 22.2329% | 1,191 |
| Memoranda: | ||
| Average total assets | $4,006,360,600 | 233 |
| Average earning assets | $3,899,235,400 | 222 |
| Average equity | $505,643,000 | 219 |
| Average total loans | $3,150,546,000 | 223 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5859% | 5,797 |
| Cost of funding earning assets | 0.5886% | 1,425 |
| Net interest margin | 1.9974% | 5,873 |
| Noninterest income to average assets | 3.6816% | 162 |
| Noninterest expense to average assets | 5.6060% | 196 |
| Loan and lease loss provision to assets | 0.3390% | 476 |
| Net operating income to assets | -0.2092% | 5,792 |
| Return on assets (ROA) | -0.2097% | 5,804 |
| Pretax return on assets | -0.3227% | 5,823 |
| Return on Equity (ROE) | -1.6546% | 5,805 |
| Retained earnings to average equity (ytd only) | -1.6546% | 5,571 |
| Net charge-offs to loans | 0.0016% | 3,885 |
| Credit loss provision to net charge-offs | 27,394.4444% | 13 |
| Earnings coverage of net charge-offs (x) | 13.8329% | 2,279 |
| Efficiency ratio | 99.6955% | 230 |
| Assets per employee ($millions) | 11.5078% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0767% | 3,970 |
| Loan loss allowance to noncurrent loans | 2,687.1573% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 5,363 |
| Noncurrent loans to loans | 0.0401% | 5,205 |
| Net loans and leases to total assets | 79.5034% | 963 |
| Net loans and leases to deposits | 101.7620% | 589 |
| Net loans and leases to core deposits | 119.0621% | 536 |
| Total domestic deposits to total assets | 78.1267% | 4,890 |
| Equity capital to assets | 12.5481% | 1,747 |
| Core capital (leverage) ratio | 12.9677% | 1,201 |
| Tier 1 risk-based capital ratio | 20.8792% | 1,294 |
| Total risk-based capital ratio | 22.1315% | 1,273 |
| Memoranda: | ||
| Average total assets | $3,878,327,500 | 242 |
| Average earning assets | $3,769,824,250 | 226 |
| Average equity | $491,617,500 | 223 |
| Average total loans | $3,049,947,500 | 228 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5081% | 5,903 |
| Cost of funding earning assets | 0.5822% | 1,458 |
| Net interest margin | 1.9259% | 5,963 |
| Noninterest income to average assets | 3.6934% | 165 |
| Noninterest expense to average assets | 5.7201% | 190 |
| Loan and lease loss provision to assets | 0.5791% | 194 |
| Net operating income to assets | -0.5934% | 5,934 |
| Return on assets (ROA) | -0.5971% | 5,941 |
| Pretax return on assets | -0.7399% | 5,954 |
| Return on Equity (ROE) | -4.7223% | 5,926 |
| Retained earnings to average equity (ytd only) | -4.7223% | 5,739 |
| Net charge-offs to loans | 0.0023% | 3,626 |
| Credit loss provision to net charge-offs | 31,794.1176% | 7 |
| Earnings coverage of net charge-offs (x) | -85.7353% | 3,680 |
| Efficiency ratio | 102.8069% | 205 |
| Assets per employee ($millions) | 10.8082% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 3,574 |
| Loan loss allowance to noncurrent loans | 2,076.8352% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 5,385 |
| Noncurrent loans to loans | 0.0559% | 5,235 |
| Net loans and leases to total assets | 80.8357% | 781 |
| Net loans and leases to deposits | 115.8317% | 146 |
| Net loans and leases to core deposits | 127.7000% | 337 |
| Total domestic deposits to total assets | 69.7872% | 5,793 |
| Equity capital to assets | 12.3736% | 1,851 |
| Core capital (leverage) ratio | 13.2313% | 1,074 |
| Tier 1 risk-based capital ratio | 20.3643% | 1,370 |
| Total risk-based capital ratio | 21.6187% | 1,351 |
| Memoranda: | ||
| Average total assets | $3,733,096,670 | 252 |
| Average earning assets | $3,625,723,000 | 234 |
| Average equity | $472,015,000 | 232 |
| Average total loans | $2,909,482,330 | 233 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5226% | 5,958 |
| Cost of funding earning assets | 0.5872% | 1,428 |
| Net interest margin | 1.9354% | 6,025 |
| Noninterest income to average assets | 3.7038% | 170 |
| Noninterest expense to average assets | 5.6852% | 195 |
| Loan and lease loss provision to assets | 0.6125% | 176 |
| Net operating income to assets | -0.6988% | 5,999 |
| Return on assets (ROA) | -0.7202% | 6,005 |
| Pretax return on assets | -0.7364% | 5,997 |
| Return on Equity (ROE) | -5.6289% | 5,980 |
| Retained earnings to average equity (ytd only) | -5.6289% | 5,635 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8284% | 251 |
| Assets per employee ($millions) | 10.3672% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 3,868 |
| Loan loss allowance to noncurrent loans | 1,783.9566% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 5,420 |
| Noncurrent loans to loans | 0.0636% | 5,227 |
| Net loans and leases to total assets | 78.4311% | 1,040 |
| Net loans and leases to deposits | 107.3323% | 298 |
| Net loans and leases to core deposits | 179.9388% | 50 |
| Total domestic deposits to total assets | 73.0731% | 5,697 |
| Equity capital to assets | 12.9055% | 1,456 |
| Core capital (leverage) ratio | 13.1750% | 1,092 |
| Tier 1 risk-based capital ratio | 22.0221% | 1,153 |
| Total risk-based capital ratio | 23.2758% | 1,134 |
| Memoranda: | ||
| Average total assets | $3,589,327,500 | 261 |
| Average earning assets | $3,485,451,000 | 244 |
| Average equity | $459,273,500 | 235 |
| Average total loans | $2,720,073,000 | 244 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1390% | 6,083 |
| Cost of funding earning assets | 0.6206% | 1,232 |
| Net interest margin | 1.5184% | 6,108 |
| Noninterest income to average assets | 4.1785% | 150 |
| Noninterest expense to average assets | 7.0195% | 139 |
| Loan and lease loss provision to assets | 0.3377% | 459 |
| Net operating income to assets | -1.0480% | 6,101 |
| Return on assets (ROA) | -1.0775% | 6,105 |
| Pretax return on assets | -1.7542% | 6,129 |
| Return on Equity (ROE) | -8.3622% | 6,089 |
| Retained earnings to average equity (ytd only) | -8.3622% | 6,007 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.2585% | 84 |
| Assets per employee ($millions) | 15.1682% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 4,147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 71.3132% | 2,155 |
| Net loans and leases to deposits | 98.4829% | 784 |
| Net loans and leases to core deposits | 159.3074% | 81 |
| Total domestic deposits to total assets | 72.4117% | 5,771 |
| Equity capital to assets | 12.6811% | 1,516 |
| Core capital (leverage) ratio | 13.2486% | 1,060 |
| Tier 1 risk-based capital ratio | 21.8707% | 1,167 |
| Total risk-based capital ratio | 23.1220% | 1,145 |
| Memoranda: | ||
| Average total assets | $2,985,996,000 | 277 |
| Average earning assets | $2,892,024,200 | 267 |
| Average equity | $384,756,200 | 255 |
| Average total loans | $1,894,102,400 | 298 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0611% | 6,182 |
| Cost of funding earning assets | 0.6377% | 1,160 |
| Net interest margin | 1.4235% | 6,209 |
| Noninterest income to average assets | 4.2897% | 146 |
| Noninterest expense to average assets | 7.1535% | 141 |
| Loan and lease loss provision to assets | 0.2456% | 706 |
| Net operating income to assets | -1.0328% | 6,194 |
| Return on assets (ROA) | -1.0609% | 6,194 |
| Pretax return on assets | -1.7755% | 6,221 |
| Return on Equity (ROE) | -8.1933% | 6,163 |
| Retained earnings to average equity (ytd only) | -8.1933% | 6,093 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.2224% | 80 |
| Assets per employee ($millions) | 14.4150% | 91 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 4,568 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 65.0292% | 3,151 |
| Net loans and leases to deposits | 91.7789% | 1,435 |
| Net loans and leases to core deposits | 146.5426% | 125 |
| Total domestic deposits to total assets | 70.8542% | 5,934 |
| Equity capital to assets | 12.0931% | 2,037 |
| Core capital (leverage) ratio | 12.6643% | 1,339 |
| Tier 1 risk-based capital ratio | 22.1723% | 1,168 |
| Total risk-based capital ratio | 23.4176% | 1,148 |
| Memoranda: | ||
| Average total assets | $2,852,736,750 | 296 |
| Average earning assets | $2,760,986,000 | 281 |
| Average equity | $369,382,000 | 265 |
| Average total loans | $1,733,390,000 | 315 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0194% | 6,259 |
| Cost of funding earning assets | 0.6620% | 1,037 |
| Net interest margin | 1.3574% | 6,288 |
| Noninterest income to average assets | 4.4590% | 143 |
| Noninterest expense to average assets | 7.3712% | 134 |
| Loan and lease loss provision to assets | 0.3106% | 476 |
| Net operating income to assets | -1.1407% | 6,269 |
| Return on assets (ROA) | -1.1285% | 6,268 |
| Pretax return on assets | -1.8922% | 6,298 |
| Return on Equity (ROE) | -8.4844% | 6,241 |
| Retained earnings to average equity (ytd only) | -8.4844% | 6,142 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.7410% | 85 |
| Assets per employee ($millions) | 13.0898% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 4,143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 60.1134% | 3,821 |
| Net loans and leases to deposits | 86.5609% | 1,994 |
| Net loans and leases to core deposits | 140.2293% | 167 |
| Total domestic deposits to total assets | 69.4464% | 6,056 |
| Equity capital to assets | 12.0136% | 2,016 |
| Core capital (leverage) ratio | 13.5972% | 959 |
| Tier 1 risk-based capital ratio | 26.1913% | 761 |
| Total risk-based capital ratio | 27.4446% | 748 |
| Memoranda: | ||
| Average total assets | $2,693,691,000 | 307 |
| Average earning assets | $2,602,423,670 | 294 |
| Average equity | $358,281,330 | 272 |
| Average total loans | $1,581,860,670 | 342 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0709% | 6,328 |
| Cost of funding earning assets | 0.6901% | 892 |
| Net interest margin | 1.3808% | 6,359 |
| Noninterest income to average assets | 4.7316% | 137 |
| Noninterest expense to average assets | 8.3186% | 113 |
| Loan and lease loss provision to assets | 0.4006% | 294 |
| Net operating income to assets | -1.6065% | 6,355 |
| Return on assets (ROA) | -1.6065% | 6,357 |
| Pretax return on assets | -2.6575% | 6,381 |
| Return on Equity (ROE) | -11.4105% | 6,327 |
| Retained earnings to average equity (ytd only) | -11.4105% | 6,163 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.2337% | 67 |
| Assets per employee ($millions) | 11.1445% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2668% | 3,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 59.8556% | 3,675 |
| Net loans and leases to deposits | 89.9175% | 1,404 |
| Net loans and leases to core deposits | 124.2488% | 320 |
| Total domestic deposits to total assets | 66.5673% | 6,233 |
| Equity capital to assets | 13.5694% | 1,145 |
| Core capital (leverage) ratio | 13.7953% | 887 |
| Tier 1 risk-based capital ratio | 28.7967% | 604 |
| Total risk-based capital ratio | 30.0513% | 594 |
| Memoranda: | ||
| Average total assets | $2,521,428,500 | 321 |
| Average earning assets | $2,428,724,000 | 302 |
| Average equity | $355,006,500 | 272 |
| Average total loans | $1,449,509,000 | 357 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6462% | 6,443 |
| Cost of funding earning assets | 0.5022% | 2,657 |
| Net interest margin | 1.1440% | 6,456 |
| Noninterest income to average assets | 4.2231% | 142 |
| Noninterest expense to average assets | 7.4932% | 123 |
| Loan and lease loss provision to assets | 0.3072% | 668 |
| Net operating income to assets | -1.5274% | 6,432 |
| Return on assets (ROA) | -1.5441% | 6,432 |
| Pretax return on assets | -2.4871% | 6,464 |
| Return on Equity (ROE) | -11.1132% | 6,377 |
| Retained earnings to average equity (ytd only) | -11.1132% | 6,335 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.3397% | 67 |
| Assets per employee ($millions) | 11.8165% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 3,728 |
| Loan loss allowance to noncurrent loans | 3,432.0792% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 5,963 |
| Noncurrent loans to loans | 0.0364% | 5,739 |
| Net loans and leases to total assets | 54.4600% | 4,519 |
| Net loans and leases to deposits | 86.3534% | 1,935 |
| Net loans and leases to core deposits | 110.9067% | 736 |
| Total domestic deposits to total assets | 63.0664% | 6,367 |
| Equity capital to assets | 14.3968% | 841 |
| Core capital (leverage) ratio | 14.2536% | 760 |
| Tier 1 risk-based capital ratio | 32.8485% | 400 |
| Total risk-based capital ratio | 34.1027% | 394 |
| Memoranda: | ||
| Average total assets | $2,361,700,800 | 319 |
| Average earning assets | $2,304,509,800 | 296 |
| Average equity | $328,133,200 | 274 |
| Average total loans | $1,013,659,600 | 452 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6314% | 6,525 |
| Cost of funding earning assets | 0.4421% | 3,345 |
| Net interest margin | 1.1893% | 6,542 |
| Noninterest income to average assets | 4.1580% | 141 |
| Noninterest expense to average assets | 7.5414% | 119 |
| Loan and lease loss provision to assets | 0.1512% | 1,648 |
| Net operating income to assets | -1.4888% | 6,502 |
| Return on assets (ROA) | -1.4813% | 6,499 |
| Pretax return on assets | -2.3595% | 6,536 |
| Return on Equity (ROE) | -10.7673% | 6,451 |
| Retained earnings to average equity (ytd only) | -10.7673% | 6,389 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.7183% | 71 |
| Assets per employee ($millions) | 11.2471% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 3,978 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 43.0435% | 5,595 |
| Net loans and leases to deposits | 66.7029% | 4,261 |
| Net loans and leases to core deposits | 85.9707% | 2,671 |
| Total domestic deposits to total assets | 64.5302% | 6,427 |
| Equity capital to assets | 13.6826% | 1,115 |
| Core capital (leverage) ratio | 13.6519% | 945 |
| Tier 1 risk-based capital ratio | 40.1944% | 240 |
| Total risk-based capital ratio | 41.4487% | 236 |
| Memoranda: | ||
| Average total assets | $2,322,896,750 | 320 |
| Average earning assets | $2,272,231,000 | 296 |
| Average equity | $319,577,750 | 277 |
| Average total loans | $920,063,500 | 482 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6609% | 6,592 |
| Cost of funding earning assets | 0.3487% | 4,452 |
| Net interest margin | 1.3122% | 6,601 |
| Noninterest income to average assets | 4.0354% | 147 |
| Noninterest expense to average assets | 7.3084% | 129 |
| Loan and lease loss provision to assets | 0.1629% | 1,516 |
| Net operating income to assets | -1.3001% | 6,562 |
| Return on assets (ROA) | -1.2880% | 6,555 |
| Pretax return on assets | -2.1307% | 6,590 |
| Return on Equity (ROE) | -9.3448% | 6,507 |
| Retained earnings to average equity (ytd only) | -9.3448% | 6,405 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.3348% | 74 |
| Assets per employee ($millions) | 11.2879% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 4,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 43.2829% | 5,581 |
| Net loans and leases to deposits | 68.6488% | 3,975 |
| Net loans and leases to core deposits | 89.3967% | 2,179 |
| Total domestic deposits to total assets | 63.0498% | 6,527 |
| Equity capital to assets | 14.8286% | 743 |
| Core capital (leverage) ratio | 14.8165% | 634 |
| Tier 1 risk-based capital ratio | 41.3390% | 217 |
| Total risk-based capital ratio | 42.5921% | 214 |
| Memoranda: | ||
| Average total assets | $2,317,396,330 | 318 |
| Average earning assets | $2,271,381,670 | 295 |
| Average equity | $319,406,670 | 272 |
| Average total loans | $886,861,670 | 494 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6261% | 6,669 |
| Cost of funding earning assets | 0.2918% | 5,157 |
| Net interest margin | 1.3343% | 6,674 |
| Noninterest income to average assets | 3.8274% | 147 |
| Noninterest expense to average assets | 6.9245% | 143 |
| Loan and lease loss provision to assets | 0.1134% | 2,065 |
| Net operating income to assets | -1.1469% | 6,593 |
| Return on assets (ROA) | -1.1508% | 6,590 |
| Pretax return on assets | -1.9037% | 6,640 |
| Return on Equity (ROE) | -8.6584% | 6,544 |
| Retained earnings to average equity (ytd only) | -8.6584% | 6,313 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.7113% | 102 |
| Assets per employee ($millions) | 13.7850% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 4,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 37.1526% | 6,009 |
| Net loans and leases to deposits | 54.3253% | 5,255 |
| Net loans and leases to core deposits | 74.4154% | 3,606 |
| Total domestic deposits to total assets | 68.3892% | 6,504 |
| Equity capital to assets | 14.5154% | 787 |
| Core capital (leverage) ratio | 14.6397% | 667 |
| Tier 1 risk-based capital ratio | 49.1298% | 142 |
| Total risk-based capital ratio | 50.3837% | 142 |
| Memoranda: | ||
| Average total assets | $2,364,234,000 | 316 |
| Average earning assets | $2,326,289,500 | 290 |
| Average equity | $314,237,000 | 272 |
| Average total loans | $843,065,500 | 517 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0648% | 6,771 |
| Cost of funding earning assets | 0.4743% | 3,872 |
| Net interest margin | 0.5906% | 6,780 |
| Noninterest income to average assets | 3.3140% | 198 |
| Noninterest expense to average assets | 5.6535% | 232 |
| Loan and lease loss provision to assets | 0.3804% | 805 |
| Net operating income to assets | -1.3841% | 6,662 |
| Return on assets (ROA) | -1.3841% | 6,661 |
| Pretax return on assets | -2.1368% | 6,720 |
| Return on Equity (ROE) | -11.2925% | 6,597 |
| Retained earnings to average equity (ytd only) | -11.2925% | 6,556 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.0715% | 72 |
| Assets per employee ($millions) | 15.9774% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 4,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 33.3624% | 6,321 |
| Net loans and leases to deposits | 45.5575% | 6,042 |
| Net loans and leases to core deposits | 59.7449% | 5,239 |
| Total domestic deposits to total assets | 73.2315% | 6,336 |
| Equity capital to assets | 12.1162% | 1,733 |
| Core capital (leverage) ratio | 12.4492% | 1,385 |
| Tier 1 risk-based capital ratio | 47.4373% | 150 |
| Total risk-based capital ratio | 48.6915% | 151 |
| Memoranda: | ||
| Average total assets | $2,333,068,000 | 310 |
| Average earning assets | $2,303,212,800 | 285 |
| Average equity | $285,967,400 | 284 |
| Average total loans | $446,398,600 | 957 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9464% | 6,860 |
| Cost of funding earning assets | 0.5161% | 3,612 |
| Net interest margin | 0.4303% | 6,863 |
| Noninterest income to average assets | 3.2137% | 220 |
| Noninterest expense to average assets | 5.5739% | 241 |
| Loan and lease loss provision to assets | 0.4079% | 732 |
| Net operating income to assets | -1.4163% | 6,749 |
| Return on assets (ROA) | -1.4163% | 6,754 |
| Pretax return on assets | -2.3430% | 6,813 |
| Return on Equity (ROE) | -11.5204% | 6,707 |
| Retained earnings to average equity (ytd only) | -11.5204% | 6,665 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 153.1799% | 69 |
| Assets per employee ($millions) | 16.5631% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 4,725 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 27.4112% | 6,615 |
| Net loans and leases to deposits | 35.6725% | 6,522 |
| Net loans and leases to core deposits | 41.8271% | 6,391 |
| Total domestic deposits to total assets | 76.8414% | 6,070 |
| Equity capital to assets | 12.5337% | 1,566 |
| Core capital (leverage) ratio | 12.7464% | 1,306 |
| Tier 1 risk-based capital ratio | 54.5716% | 114 |
| Total risk-based capital ratio | 56.0370% | 110 |
| Memoranda: | ||
| Average total assets | $2,313,187,500 | 316 |
| Average earning assets | $2,285,132,750 | 290 |
| Average equity | $284,380,500 | 282 |
| Average total loans | $354,254,500 | 1,207 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9473% | 6,908 |
| Cost of funding earning assets | 0.5770% | 3,148 |
| Net interest margin | 0.3702% | 6,920 |
| Noninterest income to average assets | 3.1763% | 233 |
| Noninterest expense to average assets | 5.7700% | 228 |
| Loan and lease loss provision to assets | 0.4114% | 744 |
| Net operating income to assets | -1.5953% | 6,818 |
| Return on assets (ROA) | -1.5953% | 6,821 |
| Pretax return on assets | -2.6390% | 6,878 |
| Return on Equity (ROE) | -13.0666% | 6,782 |
| Retained earnings to average equity (ytd only) | -13.0666% | 6,732 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 162.8857% | 53 |
| Assets per employee ($millions) | 19.6428% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 5,015 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 21.7084% | 6,768 |
| Net loans and leases to deposits | 26.0734% | 6,764 |
| Net loans and leases to core deposits | 30.4593% | 6,707 |
| Total domestic deposits to total assets | 83.2585% | 4,610 |
| Equity capital to assets | 12.3605% | 1,668 |
| Core capital (leverage) ratio | 12.4877% | 1,364 |
| Tier 1 risk-based capital ratio | 56.0889% | 101 |
| Total risk-based capital ratio | 57.2697% | 101 |
| Memoranda: | ||
| Average total assets | $2,278,179,670 | 320 |
| Average earning assets | $2,252,589,670 | 293 |
| Average equity | $278,143,670 | 293 |
| Average total loans | $248,626,670 | 1,666 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8024% | 6,991 |
| Cost of funding earning assets | 0.6686% | 2,491 |
| Net interest margin | 0.1339% | 7,007 |
| Noninterest income to average assets | 3.0760% | 241 |
| Noninterest expense to average assets | 5.8283% | 227 |
| Loan and lease loss provision to assets | 0.1046% | 2,936 |
| Net operating income to assets | -1.6467% | 6,895 |
| Return on assets (ROA) | -1.6467% | 6,899 |
| Pretax return on assets | -2.7242% | 6,950 |
| Return on Equity (ROE) | -13.5699% | 6,852 |
| Retained earnings to average equity (ytd only) | -13.5699% | 6,713 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 181.6396% | 48 |
| Assets per employee ($millions) | 21.7813% | 52 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 5,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 6.5982% | 6,965 |
| Net loans and leases to deposits | 7.7849% | 6,971 |
| Net loans and leases to core deposits | 8.0958% | 6,961 |
| Total domestic deposits to total assets | 84.7564% | 4,153 |
| Equity capital to assets | 12.6261% | 1,631 |
| Core capital (leverage) ratio | 12.6079% | 1,293 |
| Tier 1 risk-based capital ratio | 78.5966% | 63 |
| Total risk-based capital ratio | 79.0877% | 63 |
| Memoranda: | ||
| Average total assets | $2,297,632,000 | 323 |
| Average earning assets | $2,276,540,000 | 298 |
| Average equity | $278,823,000 | 293 |
| Average total loans | $126,941,500 | 2,950 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0465% | 7,042 |
| Cost of funding earning assets | 0.8129% | 2,558 |
| Net interest margin | 0.2336% | 7,068 |
| Noninterest income to average assets | 4.3539% | 167 |
| Noninterest expense to average assets | 6.3359% | 195 |
| Loan and lease loss provision to assets | 0.0845% | 4,645 |
| Net operating income to assets | -1.2234% | 6,802 |
| Return on assets (ROA) | -1.2234% | 6,815 |
| Pretax return on assets | -1.8364% | 6,908 |
| Return on Equity (ROE) | -13.2893% | 6,798 |
| Retained earnings to average equity (ytd only) | -13.2893% | 6,740 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.2176% | 124 |
| Assets per employee ($millions) | 21.9831% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 5,175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 4.3313% | 7,031 |
| Net loans and leases to deposits | 4.9380% | 7,037 |
| Net loans and leases to core deposits | 5.0295% | 7,027 |
| Total domestic deposits to total assets | 87.7143% | 2,404 |
| Equity capital to assets | 11.6489% | 2,307 |
| Core capital (leverage) ratio | 11.6456% | 1,769 |
| Tier 1 risk-based capital ratio | 86.6395% | 57 |
| Total risk-based capital ratio | 87.0266% | 57 |
| Memoranda: | ||
| Average total assets | $1,395,295,600 | 480 |
| Average earning assets | $1,374,147,800 | 445 |
| Average equity | $128,448,800 | 559 |
| Average total loans | $32,972,600 | 5,802 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1411% | 7,151 |
| Cost of funding earning assets | 0.7385% | 3,448 |
| Net interest margin | 0.4026% | 7,165 |
| Noninterest income to average assets | 5.0551% | 141 |
| Noninterest expense to average assets | 7.1908% | 135 |
| Loan and lease loss provision to assets | 0.0536% | 5,077 |
| Net operating income to assets | -1.0845% | 6,884 |
| Return on assets (ROA) | -1.0845% | 6,909 |
| Pretax return on assets | -1.7940% | 7,000 |
| Return on Equity (ROE) | -13.5601% | 6,912 |
| Retained earnings to average equity (ytd only) | -13.5601% | 6,882 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.5771% | 184 |
| Assets per employee ($millions) | 20.9261% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 5,772 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 2.2707% | 7,137 |
| Net loans and leases to deposits | 2.4738% | 7,140 |
| Net loans and leases to core deposits | 2.4965% | 7,131 |
| Total domestic deposits to total assets | 91.7891% | 235 |
| Equity capital to assets | 7.3549% | 6,805 |
| Core capital (leverage) ratio | 7.3443% | 6,698 |
| Tier 1 risk-based capital ratio | 54.9762% | 118 |
| Total risk-based capital ratio | 55.1631% | 122 |
| Memoranda: | ||
| Average total assets | $1,167,062,250 | 567 |
| Average earning assets | $1,145,928,000 | 523 |
| Average equity | $93,340,250 | 759 |
| Average total loans | $15,921,250 | 6,687 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2778% | 7,213 |
| Cost of funding earning assets | 0.4977% | 5,637 |
| Net interest margin | 0.7801% | 7,217 |
| Noninterest income to average assets | 6.3758% | 110 |
| Noninterest expense to average assets | 8.2741% | 107 |
| Loan and lease loss provision to assets | 0.0189% | 5,430 |
| Net operating income to assets | -0.6348% | 6,791 |
| Return on assets (ROA) | -0.6348% | 6,819 |
| Pretax return on assets | -1.1564% | 6,937 |
| Return on Equity (ROE) | -7.4985% | 6,847 |
| Retained earnings to average equity (ytd only) | -7.4985% | 6,742 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.8363% | 352 |
| Assets per employee ($millions) | 17.1310% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8801% | 6,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 0.7904% | 7,205 |
| Net loans and leases to deposits | 0.9014% | 7,207 |
| Net loans and leases to core deposits | 0.9284% | 7,195 |
| Total domestic deposits to total assets | 87.6878% | 2,344 |
| Equity capital to assets | 7.2480% | 6,859 |
| Core capital (leverage) ratio | 7.2869% | 6,724 |
| Tier 1 risk-based capital ratio | 60.6351% | 93 |
| Total risk-based capital ratio | 60.6934% | 94 |
| Memoranda: | ||
| Average total assets | $900,399,330 | 738 |
| Average earning assets | $878,057,330 | 683 |
| Average equity | $76,228,670 | 919 |
| Average total loans | $6,176,330 | 7,124 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5126% | 7,265 |
| Cost of funding earning assets | 0.1560% | 7,175 |
| Net interest margin | 1.3566% | 7,252 |
| Noninterest income to average assets | 9.6568% | 74 |
| Noninterest expense to average assets | 10.2749% | 78 |
| Loan and lease loss provision to assets | 0.0116% | 5,159 |
| Net operating income to assets | 0.3787% | 5,354 |
| Return on assets (ROA) | 0.3787% | 5,541 |
| Pretax return on assets | 0.6888% | 4,827 |
| Return on Equity (ROE) | 3.7706% | 5,397 |
| Retained earnings to average equity (ytd only) | 3.7706% | 4,327 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6187% | 842 |
| Assets per employee ($millions) | 9.2069% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9341% | 6,459 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 0.6071% | 7,267 |
| Net loans and leases to deposits | 0.7332% | 7,269 |
| Net loans and leases to core deposits | 0.7795% | 7,256 |
| Total domestic deposits to total assets | 82.7979% | 5,009 |
| Equity capital to assets | 8.9308% | 5,595 |
| Core capital (leverage) ratio | 8.8705% | 5,032 |
| Tier 1 risk-based capital ratio | 46.9023% | 143 |
| Total risk-based capital ratio | 46.9326% | 159 |
| Memoranda: | ||
| Average total assets | $588,268,000 | 1,142 |
| Average earning assets | $571,722,000 | 1,064 |
| Average equity | $59,089,500 | 1,202 |
| Average total loans | $3,185,500 | 7,252 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9803% | 7,287 |
| Cost of funding earning assets | 0.0870% | 7,313 |
| Net interest margin | 1.8933% | 7,244 |
| Noninterest income to average assets | 12.7959% | 51 |
| Noninterest expense to average assets | 11.1495% | 70 |
| Loan and lease loss provision to assets | 0.0058% | 6,448 |
| Net operating income to assets | 1.3606% | 1,111 |
| Return on assets (ROA) | 1.3606% | 1,201 |
| Pretax return on assets | 3.4733% | 94 |
| Return on Equity (ROE) | 9.6958% | 2,170 |
| Retained earnings to average equity (ytd only) | 9.6958% | 629 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2170% | 2,856 |
| Assets per employee ($millions) | 7.5034% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 6,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 0.4390% | 7,316 |
| Net loans and leases to deposits | 0.5005% | 7,317 |
| Net loans and leases to core deposits | 0.6178% | 7,303 |
| Total domestic deposits to total assets | 87.7130% | 2,329 |
| Equity capital to assets | 11.5770% | 2,448 |
| Core capital (leverage) ratio | 11.5390% | 1,860 |
| Tier 1 risk-based capital ratio | 56.6994% | 107 |
| Total risk-based capital ratio | 56.7213% | 112 |
| Memoranda: | ||
| Average total assets | $378,574,200 | 1,712 |
| Average earning assets | $366,459,400 | 1,612 |
| Average equity | $53,126,200 | 1,280 |
| Average total loans | $711,000 | 7,315 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1012% | 7,361 |
| Cost of funding earning assets | 0.0869% | 7,390 |
| Net interest margin | 2.0143% | 7,296 |
| Noninterest income to average assets | 13.5500% | 46 |
| Noninterest expense to average assets | 11.3773% | 66 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4584% | 1,029 |
| Return on assets (ROA) | 1.4584% | 1,104 |
| Pretax return on assets | 4.1188% | 83 |
| Return on Equity (ROE) | 9.7857% | 2,280 |
| Retained earnings to average equity (ytd only) | 9.7857% | 908 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4203% | 3,295 |
| Assets per employee ($millions) | 4.9012% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 0.3224% | 7,395 |
| Net loans and leases to deposits | 0.3802% | 7,396 |
| Net loans and leases to core deposits | 0.4530% | 7,381 |
| Total domestic deposits to total assets | 84.8106% | 3,864 |
| Equity capital to assets | 13.5436% | 1,351 |
| Core capital (leverage) ratio | 13.2768% | 1,117 |
| Tier 1 risk-based capital ratio | 86.2848% | 65 |
| Total risk-based capital ratio | 86.2848% | 65 |
| Memoranda: | ||
| Average total assets | $349,412,250 | 1,861 |
| Average earning assets | $337,572,000 | 1,770 |
| Average equity | $52,074,750 | 1,304 |
| Average total loans | $339,750 | 7,395 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2363% | 7,435 |
| Cost of funding earning assets | 0.0951% | 7,459 |
| Net interest margin | 2.1412% | 7,330 |
| Noninterest income to average assets | 14.4802% | 46 |
| Noninterest expense to average assets | 11.4204% | 64 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.9639% | 104 |
| Return on assets (ROA) | 2.9639% | 107 |
| Pretax return on assets | 5.1226% | 69 |
| Return on Equity (ROE) | 19.1334% | 375 |
| Retained earnings to average equity (ytd only) | 19.1334% | 114 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0347% | 4,327 |
| Assets per employee ($millions) | 4.0642% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,475 |
| Net loans and leases to deposits | 0.0000% | 7,474 |
| Net loans and leases to core deposits | 0.0000% | 7,460 |
| Total domestic deposits to total assets | 82.7413% | 4,885 |
| Equity capital to assets | 16.8564% | 498 |
| Core capital (leverage) ratio | 16.8392% | 421 |
| Tier 1 risk-based capital ratio | 102.1109% | 51 |
| Total risk-based capital ratio | 102.1109% | 53 |
| Memoranda: | ||
| Average total assets | $325,381,330 | 1,996 |
| Average earning assets | $313,470,670 | 1,895 |
| Average equity | $50,404,000 | 1,333 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1558% | 7,501 |
| Cost of funding earning assets | 0.1037% | 7,524 |
| Net interest margin | 2.0521% | 7,399 |
| Noninterest income to average assets | 14.2000% | 51 |
| Noninterest expense to average assets | 11.9496% | 65 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.3280% | 216 |
| Return on assets (ROA) | 2.3280% | 227 |
| Pretax return on assets | 4.2328% | 96 |
| Return on Equity (ROE) | 15.7624% | 703 |
| Retained earnings to average equity (ytd only) | 15.7624% | 333 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8431% | 3,539 |
| Assets per employee ($millions) | 4.2423% | 3,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,537 |
| Net loans and leases to deposits | 0.0000% | 7,537 |
| Net loans and leases to core deposits | 0.0000% | 7,521 |
| Total domestic deposits to total assets | 82.6949% | 5,027 |
| Equity capital to assets | 16.0186% | 572 |
| Core capital (leverage) ratio | 16.2270% | 462 |
| Tier 1 risk-based capital ratio | 95.6347% | 54 |
| Total risk-based capital ratio | 95.6347% | 54 |
| Memoranda: | ||
| Average total assets | $319,409,500 | 2,039 |
| Average earning assets | $308,567,500 | 1,931 |
| Average equity | $47,175,500 | 1,419 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7697% | 7,575 |
| Cost of funding earning assets | 0.0814% | 7,590 |
| Net interest margin | 1.6883% | 7,524 |
| Noninterest income to average assets | 43.2000% | 27 |
| Noninterest expense to average assets | 40.3919% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 2.6677% | 100 |
| Return on assets (ROA) | 2.6677% | 101 |
| Pretax return on assets | 4.3966% | 61 |
| Return on Equity (ROE) | 7.9171% | 2,731 |
| Retained earnings to average equity (ytd only) | 7.9171% | 1,006 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1837% | 1,309 |
| Assets per employee ($millions) | 3.9990% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,616 |
| Net loans and leases to deposits | 0.0000% | 7,616 |
| Net loans and leases to core deposits | 0.0000% | 7,598 |
| Total domestic deposits to total assets | 85.0528% | 3,828 |
| Equity capital to assets | 13.4274% | 1,201 |
| Core capital (leverage) ratio | 13.6022% | 959 |
| Tier 1 risk-based capital ratio | 101.2375% | 50 |
| Total risk-based capital ratio | 101.2375% | 51 |
| Memoranda: | ||
| Average total assets | $86,180,600 | 5,404 |
| Average earning assets | $81,086,200 | 5,302 |
| Average equity | $29,038,400 | 2,235 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1886% | 7,682 |
| Cost of funding earning assets | 0.0302% | 7,723 |
| Net interest margin | 2.1584% | 7,528 |
| Noninterest income to average assets | 115.3590% | 11 |
| Noninterest expense to average assets | 101.2042% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 8.8077% | 18 |
| Return on assets (ROA) | 8.8077% | 18 |
| Pretax return on assets | 16.0152% | 17 |
| Return on Equity (ROE) | 10.4306% | 1,967 |
| Retained earnings to average equity (ytd only) | 10.4306% | 696 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3374% | 1,596 |
| Assets per employee ($millions) | 0.6772% | 7,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,720 |
| Net loans and leases to deposits | 0.0000% | 7,720 |
| Net loans and leases to core deposits | 0.0000% | 7,701 |
| Total domestic deposits to total assets | 0.9978% | 7,756 |
| Equity capital to assets | 83.7461% | 22 |
| Core capital (leverage) ratio | 83.6597% | 21 |
| Tier 1 risk-based capital ratio | 212.4134% | 36 |
| Total risk-based capital ratio | 212.4134% | 36 |
| Memoranda: | ||
| Average total assets | $30,745,000 | 7,262 |
| Average earning assets | $26,500,750 | 7,298 |
| Average equity | $25,961,500 | 2,502 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8891% | 7,722 |
| Cost of funding earning assets | 0.0396% | 7,792 |
| Net interest margin | 2.8495% | 7,085 |
| Noninterest income to average assets | 140.8500% | 7 |
| Noninterest expense to average assets | 122.1095% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 11.6099% | 12 |
| Return on assets (ROA) | 11.6099% | 13 |
| Pretax return on assets | 21.1119% | 12 |
| Return on Equity (ROE) | 13.6716% | 1,105 |
| Retained earnings to average equity (ytd only) | 13.6716% | 328 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2593% | 1,793 |
| Assets per employee ($millions) | 0.3898% | 7,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,788 |
| Net loans and leases to deposits | 0.0000% | 7,788 |
| Net loans and leases to core deposits | 0.0000% | 7,770 |
| Total domestic deposits to total assets | 1.8863% | 7,818 |
| Equity capital to assets | 80.3109% | 27 |
| Core capital (leverage) ratio | 80.1544% | 24 |
| Tier 1 risk-based capital ratio | 193.3498% | 39 |
| Total risk-based capital ratio | 193.3498% | 39 |
| Memoranda: | ||
| Average total assets | $24,289,670 | 7,524 |
| Average earning assets | $20,214,000 | 7,549 |
| Average equity | $20,626,670 | 3,089 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0987% | 7,789 |
| Cost of funding earning assets | 0.0416% | 7,894 |
| Net interest margin | 3.0571% | 6,699 |
| Noninterest income to average assets | 141.2536% | 7 |
| Noninterest expense to average assets | 114.8872% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 16.3237% | 11 |
| Return on assets (ROA) | 16.3237% | 12 |
| Pretax return on assets | 28.9030% | 9 |
| Return on Equity (ROE) | 18.6441% | 469 |
| Retained earnings to average equity (ytd only) | 18.6441% | 224 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8992% | 2,580 |
| Assets per employee ($millions) | 0.3711% | 7,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | 0.0000% | 7,870 |
| Total domestic deposits to total assets | 2.0726% | 7,918 |
| Equity capital to assets | 86.0844% | 20 |
| Core capital (leverage) ratio | 85.9962% | 17 |
| Tier 1 risk-based capital ratio | 179.0585% | 36 |
| Total risk-based capital ratio | 179.0585% | 36 |
| Memoranda: | ||
| Average total assets | $23,181,000 | 7,647 |
| Average earning assets | $19,234,000 | 7,674 |
| Average equity | $20,296,000 | 3,170 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3361% | 7,851 |
| Cost of funding earning assets | 0.0800% | 7,969 |
| Net interest margin | 3.2561% | 5,904 |
| Noninterest income to average assets | 140.5137% | 7 |
| Noninterest expense to average assets | 124.9962% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 11.3380% | 12 |
| Return on assets (ROA) | 11.3380% | 12 |
| Pretax return on assets | 18.1975% | 12 |
| Return on Equity (ROE) | 12.0381% | 1,155 |
| Retained earnings to average equity (ytd only) | 12.0381% | 205 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2917% | 1,954 |
| Assets per employee ($millions) | 0.3587% | 7,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.2484% | 7,995 |
| Equity capital to assets | 89.1492% | 16 |
| Core capital (leverage) ratio | 89.0725% | 14 |
| Tier 1 risk-based capital ratio | 155.7570% | 43 |
| Total risk-based capital ratio | 155.7570% | 43 |
| Memoranda: | ||
| Average total assets | $19,739,000 | 7,782 |
| Average earning assets | $16,246,600 | 7,815 |
| Average equity | $18,591,000 | 3,410 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4650% | 7,938 |
| Cost of funding earning assets | 0.0934% | 8,056 |
| Net interest margin | 3.3715% | 5,377 |
| Noninterest income to average assets | 138.4064% | 7 |
| Noninterest expense to average assets | 121.9304% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 10.5817% | 15 |
| Return on assets (ROA) | 10.5817% | 15 |
| Pretax return on assets | 19.2452% | 12 |
| Return on Equity (ROE) | 11.0631% | 1,604 |
| Retained earnings to average equity (ytd only) | 11.0631% | 463 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3679% | 2,022 |
| Assets per employee ($millions) | 0.3486% | 8,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.4727% | 8,082 |
| Equity capital to assets | 95.4354% | 4 |
| Core capital (leverage) ratio | 95.3947% | 5 |
| Tier 1 risk-based capital ratio | 166.7742% | 42 |
| Total risk-based capital ratio | 166.7742% | 42 |
| Memoranda: | ||
| Average total assets | $19,114,250 | 7,878 |
| Average earning assets | $15,699,750 | 7,906 |
| Average equity | $18,282,500 | 3,485 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5124% | 8,024 |
| Cost of funding earning assets | 0.1026% | 8,147 |
| Net interest margin | 3.4098% | 5,125 |
| Noninterest income to average assets | 134.4335% | 8 |
| Noninterest expense to average assets | 125.3005% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 6.5296% | 21 |
| Return on assets (ROA) | 6.5296% | 23 |
| Pretax return on assets | 11.9710% | 19 |
| Return on Equity (ROE) | 6.8212% | 3,278 |
| Retained earnings to average equity (ytd only) | 6.8212% | 1,657 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2793% | 1,700 |
| Assets per employee ($millions) | 0.3193% | 8,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.6099% | 8,178 |
| Equity capital to assets | 95.8451% | 4 |
| Core capital (leverage) ratio | 95.8125% | 5 |
| Tier 1 risk-based capital ratio | 177.4627% | 41 |
| Total risk-based capital ratio | 177.4627% | 41 |
| Memoranda: | ||
| Average total assets | $18,745,330 | 7,969 |
| Average earning assets | $15,602,000 | 7,987 |
| Average equity | $17,944,000 | 3,558 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6243% | 8,079 |
| Cost of funding earning assets | 0.1043% | 8,200 |
| Net interest margin | 3.5200% | 4,649 |
| Noninterest income to average assets | 128.5722% | 9 |
| Noninterest expense to average assets | 132.7364% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -1.1004% | 7,310 |
| Return on assets (ROA) | -1.1004% | 7,320 |
| Pretax return on assets | -1.2514% | 7,275 |
| Return on Equity (ROE) | -1.1503% | 6,564 |
| Retained earnings to average equity (ytd only) | -1.1503% | 5,925 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9518% | 1,092 |
| Assets per employee ($millions) | 0.2942% | 8,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.6973% | 8,229 |
| Equity capital to assets | 95.7167% | 2 |
| Core capital (leverage) ratio | 96.4500% | 5 |
| Tier 1 risk-based capital ratio | 178.7089% | 43 |
| Total risk-based capital ratio | 178.7089% | 44 |
| Memoranda: | ||
| Average total assets | $18,539,000 | 8,022 |
| Average earning assets | $15,341,000 | 8,043 |
| Average equity | $17,735,000 | 3,604 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3481% | 8,058 |
| Cost of funding earning assets | 0.1400% | 8,256 |
| Net interest margin | 4.2080% | 2,283 |
| Noninterest income to average assets | 140.2862% | 9 |
| Noninterest expense to average assets | 136.1974% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 4.5475% | 38 |
| Return on assets (ROA) | 4.5475% | 39 |
| Pretax return on assets | 7.5754% | 33 |
| Return on Equity (ROE) | 4.8079% | 4,469 |
| Retained earnings to average equity (ytd only) | 4.8079% | 2,142 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7310% | 1,236 |
| Assets per employee ($millions) | 0.3371% | 8,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 2.6967% | 8,286 |
| Equity capital to assets | 95.6097% | 4 |
| Core capital (leverage) ratio | 95.9967% | 7 |
| Tier 1 risk-based capital ratio | 192.4237% | 42 |
| Total risk-based capital ratio | 192.4237% | 42 |
| Memoranda: | ||
| Average total assets | $18,098,000 | 8,072 |
| Average earning assets | $14,995,200 | 8,106 |
| Average equity | $17,117,800 | 3,715 |
| Average total loans | NA | NA |