Home > INDUSTRIAL FEDERAL SAVINGS BANK > Performance and Condition Ratios
INDUSTRIAL FEDERAL SAVINGS BANK, Performance and Condition Ratios
| 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 | 5.4466% | 4,453 |
| Cost of funding earning assets | 2.1011% | 2,454 |
| Net interest margin | 3.3455% | 5,566 |
| Noninterest income to average assets | 0.0262% | 7,604 |
| Noninterest expense to average assets | 1.5485% | 7,795 |
| Loan and lease loss provision to assets | 0.0382% | 7,164 |
| Net operating income to assets | 0.9926% | 1,865 |
| Return on assets (ROA) | 0.9926% | 1,912 |
| Pretax return on assets | 1.5008% | 1,187 |
| Return on Equity (ROE) | 3.9885% | 4,094 |
| Retained earnings to average equity (ytd only) | 3.9885% | 2,418 |
| Net charge-offs to loans | 0.0056% | 7,167 |
| Credit loss provision to net charge-offs | 1,280.0000% | 237 |
| Earnings coverage of net charge-offs (x) | 516.0000% | 50 |
| Efficiency ratio | 50.1546% | 7,529 |
| Assets per employee ($millions) | 8.7220% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2455% | 7,861 |
| Loan loss allowance to noncurrent loans | 38.7435% | 5,835 |
| Noncurrent assets plus other real estate owned to assets | 1.2176% | 4,659 |
| Noncurrent loans to loans | 0.6337% | 5,967 |
| Net loans and leases to total assets | 51.7109% | 6,452 |
| Net loans and leases to deposits | 70.4488% | 5,545 |
| Net loans and leases to core deposits | 114.1129% | 2,487 |
| Total domestic deposits to total assets | 73.4022% | 7,102 |
| Equity capital to assets | 24.3690% | 178 |
| Core capital (leverage) ratio | 24.5616% | 161 |
| Tier 1 risk-based capital ratio | 61.6928% | 108 |
| Total risk-based capital ratio | 62.0128% | 109 |
| Memoranda: | ||
| Average total assets | $167,648,600 | 3,647 |
| Average earning assets | $153,398,800 | 3,646 |
| Average equity | $41,719,800 | 1,600 |
| Average total loans | $88,721,800 | 4,248 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4313% | 4,784 |
| Cost of funding earning assets | 2.1653% | 2,575 |
| Net interest margin | 3.2660% | 5,770 |
| Noninterest income to average assets | 0.0281% | 7,740 |
| Noninterest expense to average assets | 1.5546% | 7,862 |
| Loan and lease loss provision to assets | 0.0249% | 7,106 |
| Net operating income to assets | 0.9850% | 2,110 |
| Return on assets (ROA) | 0.9850% | 2,171 |
| Pretax return on assets | 1.5048% | 1,401 |
| Return on Equity (ROE) | 3.9367% | 4,397 |
| Retained earnings to average equity (ytd only) | 3.9367% | 3,078 |
| Net charge-offs to loans | 0.0076% | 6,860 |
| Credit loss provision to net charge-offs | 620.0000% | 609 |
| Earnings coverage of net charge-offs (x) | 380.5997% | 97 |
| Efficiency ratio | 50.4038% | 7,528 |
| Assets per employee ($millions) | 8.5640% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2080% | 7,970 |
| Loan loss allowance to noncurrent loans | 31.2500% | 6,365 |
| Noncurrent assets plus other real estate owned to assets | 1.2547% | 4,552 |
| Noncurrent loans to loans | 0.6657% | 5,969 |
| Net loans and leases to total assets | 53.2123% | 6,471 |
| Net loans and leases to deposits | 72.7437% | 5,544 |
| Net loans and leases to core deposits | 122.2185% | 2,050 |
| Total domestic deposits to total assets | 73.1504% | 7,067 |
| Equity capital to assets | 24.5627% | 181 |
| Core capital (leverage) ratio | 24.7591% | 175 |
| Tier 1 risk-based capital ratio | 61.8658% | 109 |
| Total risk-based capital ratio | 62.1433% | 110 |
| Memoranda: | ||
| Average total assets | $165,951,000 | 3,694 |
| Average earning assets | $155,293,000 | 3,632 |
| Average equity | $41,522,500 | 1,631 |
| Average total loans | $88,295,750 | 4,301 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4713% | 4,777 |
| Cost of funding earning assets | 2.2503% | 2,574 |
| Net interest margin | 3.2210% | 5,839 |
| Noninterest income to average assets | 0.0439% | 7,764 |
| Noninterest expense to average assets | 1.5228% | 7,962 |
| Loan and lease loss provision to assets | 0.0171% | 7,051 |
| Net operating income to assets | 1.0123% | 2,064 |
| Return on assets (ROA) | 1.0123% | 2,156 |
| Pretax return on assets | 1.5398% | 1,352 |
| Return on Equity (ROE) | 4.0204% | 4,490 |
| Retained earnings to average equity (ytd only) | 4.0204% | 3,052 |
| Net charge-offs to loans | 0.0115% | 6,399 |
| Credit loss provision to net charge-offs | 280.0000% | 1,668 |
| Earnings coverage of net charge-offs (x) | 255.6000% | 161 |
| Efficiency ratio | 49.4462% | 7,698 |
| Assets per employee ($millions) | 8.4221% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1142% | 8,095 |
| Loan loss allowance to noncurrent loans | 68.4564% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 0.8745% | 5,242 |
| Noncurrent loans to loans | 0.1668% | 7,108 |
| Net loans and leases to total assets | 52.9681% | 6,572 |
| Net loans and leases to deposits | 72.6021% | 5,653 |
| Net loans and leases to core deposits | 120.0097% | 2,371 |
| Total domestic deposits to total assets | 72.9567% | 7,114 |
| Equity capital to assets | 24.7891% | 204 |
| Core capital (leverage) ratio | 24.9346% | 210 |
| Tier 1 risk-based capital ratio | 62.4537% | 128 |
| Total risk-based capital ratio | 62.6055% | 130 |
| Memoranda: | ||
| Average total assets | $164,174,670 | 3,735 |
| Average earning assets | $154,736,000 | 3,653 |
| Average equity | $41,339,670 | 1,641 |
| Average total loans | $87,283,670 | 4,350 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5231% | 4,791 |
| Cost of funding earning assets | 2.3265% | 2,593 |
| Net interest margin | 3.1966% | 5,868 |
| Noninterest income to average assets | 0.0666% | 7,734 |
| Noninterest expense to average assets | 1.4984% | 7,989 |
| Loan and lease loss provision to assets | 0.0049% | 6,723 |
| Net operating income to assets | 1.0269% | 2,204 |
| Return on assets (ROA) | 1.0269% | 2,346 |
| Pretax return on assets | 1.5922% | 1,426 |
| Return on Equity (ROE) | 4.0455% | 4,909 |
| Retained earnings to average equity (ytd only) | 4.0455% | 3,649 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4051% | 7,705 |
| Assets per employee ($millions) | 8.2058% | 462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1944% | 8,110 |
| Loan loss allowance to noncurrent loans | 687.5000% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.8476% | 5,073 |
| Noncurrent loans to loans | 0.0283% | 7,474 |
| Net loans and leases to total assets | 51.6251% | 6,721 |
| Net loans and leases to deposits | 71.2100% | 5,840 |
| Net loans and leases to core deposits | 119.3646% | 2,474 |
| Total domestic deposits to total assets | 72.4969% | 7,132 |
| Equity capital to assets | 25.1895% | 221 |
| Core capital (leverage) ratio | 25.3392% | 224 |
| Tier 1 risk-based capital ratio | 64.1869% | 129 |
| Total risk-based capital ratio | 64.4417% | 130 |
| Memoranda: | ||
| Average total assets | $162,041,500 | 3,795 |
| Average earning assets | $153,538,000 | 3,692 |
| Average equity | $41,132,000 | 1,653 |
| Average total loans | $86,264,500 | 4,414 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6540% | 6,923 |
| Cost of funding earning assets | 2.7330% | 3,007 |
| Net interest margin | 2.9210% | 7,105 |
| Noninterest income to average assets | 0.0333% | 7,967 |
| Noninterest expense to average assets | 1.4303% | 8,058 |
| Loan and lease loss provision to assets | 0.0109% | 7,233 |
| Net operating income to assets | 0.9147% | 2,940 |
| Return on assets (ROA) | 0.9147% | 2,788 |
| Pretax return on assets | 1.3893% | 2,003 |
| Return on Equity (ROE) | 3.5595% | 5,012 |
| Retained earnings to average equity (ytd only) | 3.5595% | 2,928 |
| Net charge-offs to loans | 0.0023% | 6,989 |
| Credit loss provision to net charge-offs | 850.0000% | 518 |
| Earnings coverage of net charge-offs (x) | 1,093.0000% | 38 |
| Efficiency ratio | 50.5318% | 7,624 |
| Assets per employee ($millions) | 7.9984% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1860% | 8,172 |
| Loan loss allowance to noncurrent loans | 211.6883% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.8796% | 4,655 |
| Noncurrent loans to loans | 0.0879% | 7,159 |
| Net loans and leases to total assets | 54.6838% | 6,581 |
| Net loans and leases to deposits | 75.7525% | 5,616 |
| Net loans and leases to core deposits | 129.9097% | 1,859 |
| Total domestic deposits to total assets | 72.1874% | 6,967 |
| Equity capital to assets | 25.5828% | 256 |
| Core capital (leverage) ratio | 25.7367% | 249 |
| Tier 1 risk-based capital ratio | 63.2560% | 144 |
| Total risk-based capital ratio | 63.5066% | 147 |
| Memoranda: | ||
| Average total assets | $156,117,400 | 3,783 |
| Average earning assets | $149,503,600 | 3,666 |
| Average equity | $40,118,400 | 1,675 |
| Average total loans | $86,322,000 | 4,324 |