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Independent Bank, Performance and Condition Ratios
| 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 | 6.9944% | 1,147 |
| Cost of funding earning assets | 2.7465% | 2,942 |
| Net interest margin | 4.2479% | 2,121 |
| Noninterest income to average assets | 0.2987% | 6,324 |
| Noninterest expense to average assets | 2.8904% | 4,481 |
| Loan and lease loss provision to assets | 0.3167% | 3,850 |
| Net operating income to assets | 0.8732% | 3,119 |
| Return on assets (ROA) | 0.8732% | 2,974 |
| Pretax return on assets | 0.8732% | 3,817 |
| Return on Equity (ROE) | 9.7166% | 2,356 |
| Retained earnings to average equity (ytd only) | 1.9924% | 3,991 |
| Net charge-offs to loans | 0.0275% | 6,440 |
| Credit loss provision to net charge-offs | 1,353.8462% | 331 |
| Earnings coverage of net charge-offs (x) | 50.8654% | 753 |
| Efficiency ratio | 68.2690% | 4,676 |
| Assets per employee ($millions) | 4.3878% | 2,815 |
| Cash dividends to net income (ytd only)* | 79.4951% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7852% | 7,163 |
| Loan loss allowance to noncurrent loans | 844.6237% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.4720% | 5,810 |
| Noncurrent loans to loans | 0.0930% | 7,144 |
| Net loans and leases to total assets | 87.0049% | 473 |
| Net loans and leases to deposits | 99.9602% | 1,838 |
| Net loans and leases to core deposits | 111.6930% | 3,596 |
| Total domestic deposits to total assets | 87.0395% | 1,918 |
| Equity capital to assets | 8.8095% | 5,635 |
| Core capital (leverage) ratio | 7.2905% | 7,429 |
| Tier 1 risk-based capital ratio | 9.2330% | 7,585 |
| Total risk-based capital ratio | 10.0865% | 7,925 |
| Memoranda: | ||
| Average total assets | $222,284,800 | 2,846 |
| Average earning assets | $197,887,000 | 2,914 |
| Average equity | $19,976,200 | 3,233 |
| Average total loans | $189,424,800 | 2,398 |