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Independent Bankers' Bank, Performance and Condition Ratios
| 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 | 4.3396% | 7,649 |
| Cost of funding earning assets | 1.8084% | 4,349 |
| Net interest margin | 2.5312% | 7,426 |
| Noninterest income to average assets | 2.1027% | 334 |
| Noninterest expense to average assets | 2.2996% | 6,708 |
| Loan and lease loss provision to assets | 0.3031% | 4,549 |
| Net operating income to assets | 1.4062% | 1,009 |
| Return on assets (ROA) | -3.3834% | 7,677 |
| Pretax return on assets | -3.5598% | 7,619 |
| Return on Equity (ROE) | -128.4253% | 8,047 |
| Retained earnings to average equity (ytd only) | -128.4253% | 8,045 |
| Net charge-offs to loans | 0.6208% | 2,817 |
| Credit loss provision to net charge-offs | 169.0338% | 2,765 |
| Earnings coverage of net charge-offs (x) | 9.9546% | 2,032 |
| Efficiency ratio | 56.2989% | 6,958 |
| Assets per employee ($millions) | 9.1486% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5679% | 391 |
| Loan loss allowance to noncurrent loans | 89.8739% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 1.1293% | 4,818 |
| Noncurrent loans to loans | 3.9699% | 1,852 |
| Net loans and leases to total assets | 23.3531% | 7,908 |
| Net loans and leases to deposits | 26.7334% | 7,940 |
| Net loans and leases to core deposits | 29.1298% | 7,956 |
| Total domestic deposits to total assets | 87.3554% | 1,979 |
| Equity capital to assets | 3.6039% | 8,014 |
| Core capital (leverage) ratio | 5.7112% | 7,848 |
| Tier 1 risk-based capital ratio | 7.5253% | 7,851 |
| Total risk-based capital ratio | 8.3638% | 7,889 |
| Memoranda: | ||
| Average total assets | $638,712,000 | 1,099 |
| Average earning assets | $500,090,000 | 1,272 |
| Average equity | $16,827,000 | 3,742 |
| Average total loans | $184,487,000 | 2,486 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3684% | 7,736 |
| Cost of funding earning assets | 1.6682% | 5,430 |
| Net interest margin | 2.7002% | 7,195 |
| Noninterest income to average assets | 1.7656% | 469 |
| Noninterest expense to average assets | 2.2198% | 7,008 |
| Loan and lease loss provision to assets | 0.2215% | 4,815 |
| Net operating income to assets | 0.3595% | 4,657 |
| Return on assets (ROA) | -2.8627% | 7,643 |
| Pretax return on assets | -1.6714% | 7,160 |
| Return on Equity (ROE) | -122.0075% | 8,102 |
| Retained earnings to average equity (ytd only) | -122.0075% | 8,101 |
| Net charge-offs to loans | 0.7518% | 2,180 |
| Credit loss provision to net charge-offs | 97.3226% | 4,694 |
| Earnings coverage of net charge-offs (x) | 7.7871% | 2,386 |
| Efficiency ratio | 55.6056% | 7,155 |
| Assets per employee ($millions) | 9.6597% | 289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1689% | 1,289 |
| Loan loss allowance to noncurrent loans | 173.1983% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.5492% | 6,050 |
| Noncurrent loans to loans | 1.2523% | 4,702 |
| Net loans and leases to total assets | 28.8341% | 7,914 |
| Net loans and leases to deposits | 35.9900% | 7,900 |
| Net loans and leases to core deposits | 39.0062% | 7,942 |
| Total domestic deposits to total assets | 80.1170% | 5,433 |
| Equity capital to assets | 3.3454% | 8,113 |
| Core capital (leverage) ratio | 6.8774% | 7,613 |
| Tier 1 risk-based capital ratio | 7.7340% | 7,937 |
| Total risk-based capital ratio | 8.3508% | 8,006 |
| Memoranda: | ||
| Average total assets | $656,446,670 | 1,090 |
| Average earning assets | $541,301,330 | 1,196 |
| Average equity | $15,402,330 | 4,039 |
| Average total loans | $198,718,330 | 2,367 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3599% | 7,821 |
| Cost of funding earning assets | 1.5661% | 6,172 |
| Net interest margin | 2.7937% | 7,005 |
| Noninterest income to average assets | 1.6190% | 524 |
| Noninterest expense to average assets | 2.7357% | 4,849 |
| Loan and lease loss provision to assets | 0.2682% | 3,816 |
| Net operating income to assets | -1.0984% | 7,307 |
| Return on assets (ROA) | -5.4613% | 8,060 |
| Pretax return on assets | -3.2594% | 7,804 |
| Return on Equity (ROE) | -303.2607% | 8,219 |
| Retained earnings to average equity (ytd only) | -303.2607% | 8,218 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6055% | 5,214 |
| Assets per employee ($millions) | 9.1881% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4336% | 815 |
| Loan loss allowance to noncurrent loans | 204.8137% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.3611% | 6,424 |
| Noncurrent loans to loans | 1.1882% | 4,596 |
| Net loans and leases to total assets | 29.6533% | 7,920 |
| Net loans and leases to deposits | 46.5264% | 7,647 |
| Net loans and leases to core deposits | 52.0682% | 7,731 |
| Total domestic deposits to total assets | 63.7342% | 7,858 |
| Equity capital to assets | 2.5276% | 8,207 |
| Core capital (leverage) ratio | 7.6780% | 6,917 |
| Tier 1 risk-based capital ratio | 7.3816% | 8,066 |
| Total risk-based capital ratio | 8.0573% | 8,116 |
| Memoranda: | ||
| Average total assets | $636,922,500 | 1,123 |
| Average earning assets | $567,266,500 | 1,152 |
| Average equity | $11,470,000 | 4,986 |
| Average total loans | $195,584,500 | 2,417 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4392% | 7,413 |
| Cost of funding earning assets | 2.6882% | 3,216 |
| Net interest margin | 2.7510% | 7,409 |
| Noninterest income to average assets | 1.8169% | 412 |
| Noninterest expense to average assets | 2.5727% | 5,743 |
| Loan and lease loss provision to assets | 0.2625% | 4,300 |
| Net operating income to assets | 1.1528% | 1,932 |
| Return on assets (ROA) | -2.4536% | 7,668 |
| Pretax return on assets | -3.1852% | 7,752 |
| Return on Equity (ROE) | -52.4315% | 8,169 |
| Retained earnings to average equity (ytd only) | -52.4315% | 8,153 |
| Net charge-offs to loans | 0.1320% | 4,898 |
| Credit loss provision to net charge-offs | 683.7838% | 619 |
| Earnings coverage of net charge-offs (x) | 45.8694% | 811 |
| Efficiency ratio | 59.3671% | 6,459 |
| Assets per employee ($millions) | 8.5042% | 398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3492% | 799 |
| Loan loss allowance to noncurrent loans | 186.0833% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.3920% | 6,060 |
| Noncurrent loans to loans | 1.2624% | 3,982 |
| Net loans and leases to total assets | 30.3185% | 7,980 |
| Net loans and leases to deposits | 66.8509% | 6,579 |
| Net loans and leases to core deposits | 80.6434% | 6,564 |
| Total domestic deposits to total assets | 45.3525% | 8,159 |
| Equity capital to assets | 1.0157% | 8,291 |
| Core capital (leverage) ratio | 4.8459% | 8,223 |
| Tier 1 risk-based capital ratio | 6.5280% | 8,203 |
| Total risk-based capital ratio | 7.4752% | 8,222 |
| Memoranda: | ||
| Average total assets | $578,304,200 | 1,165 |
| Average earning assets | $529,045,200 | 1,171 |
| Average equity | $27,062,000 | 2,471 |
| Average total loans | $168,207,200 | 2,638 |