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Innovative Bank, Performance and Condition Ratios
| 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 | 5.3750% | 3,166 |
| Cost of funding earning assets | 2.3658% | 339 |
| Net interest margin | 3.0092% | 6,814 |
| Noninterest income to average assets | 0.8751% | 1,721 |
| Noninterest expense to average assets | 4.1829% | 827 |
| Loan and lease loss provision to assets | 4.7489% | 171 |
| Net operating income to assets | -4.5831% | 7,757 |
| Return on assets (ROA) | -4.5831% | 7,763 |
| Pretax return on assets | -5.3328% | 7,780 |
| Return on Equity (ROE) | -80.4614% | 7,799 |
| Retained earnings to average equity (ytd only) | -80.4614% | 7,794 |
| Net charge-offs to loans | 5.9041% | 183 |
| Credit loss provision to net charge-offs | 120.5916% | 2,894 |
| Earnings coverage of net charge-offs (x) | -0.1483% | 5,133 |
| Efficiency ratio | 116.2241% | 491 |
| Assets per employee ($millions) | 3.2539% | 5,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8896% | 189 |
| Loan loss allowance to noncurrent loans | 27.6363% | 6,555 |
| Noncurrent assets plus other real estate owned to assets | 12.1473% | 253 |
| Noncurrent loans to loans | 17.6928% | 116 |
| Net loans and leases to total assets | 61.0042% | 4,942 |
| Net loans and leases to deposits | 72.9369% | 4,919 |
| Net loans and leases to core deposits | 84.4939% | 4,138 |
| Total domestic deposits to total assets | 83.6397% | 4,326 |
| Equity capital to assets | 5.1530% | 7,707 |
| Core capital (leverage) ratio | 2.2584% | 7,873 |
| Tier 1 risk-based capital ratio | 3.4953% | 7,859 |
| Total risk-based capital ratio | 4.7899% | 7,859 |
| Memoranda: | ||
| Average total assets | $267,853,500 | 2,494 |
| Average earning assets | $242,455,000 | 2,512 |
| Average equity | $15,257,000 | 3,969 |
| Average total loans | $178,656,500 | 2,497 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8563% | 6,822 |
| Cost of funding earning assets | 2.9002% | 307 |
| Net interest margin | 1.9560% | 7,760 |
| Noninterest income to average assets | 2.0436% | 361 |
| Noninterest expense to average assets | 5.1870% | 462 |
| Loan and lease loss provision to assets | 6.2472% | 97 |
| Net operating income to assets | -5.2970% | 7,784 |
| Return on assets (ROA) | -5.2970% | 7,773 |
| Pretax return on assets | -7.6153% | 7,901 |
| Return on Equity (ROE) | -56.7546% | 7,738 |
| Retained earnings to average equity (ytd only) | -56.7546% | 7,733 |
| Net charge-offs to loans | 9.1331% | 48 |
| Credit loss provision to net charge-offs | 89.8627% | 5,999 |
| Earnings coverage of net charge-offs (x) | -0.1968% | 6,433 |
| Efficiency ratio | 113.2254% | 733 |
| Assets per employee ($millions) | 3.4473% | 5,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2073% | 314 |
| Loan loss allowance to noncurrent loans | 28.5231% | 6,568 |
| Noncurrent assets plus other real estate owned to assets | 10.2131% | 355 |
| Noncurrent loans to loans | 14.7506% | 180 |
| Net loans and leases to total assets | 66.3254% | 4,074 |
| Net loans and leases to deposits | 79.1787% | 4,139 |
| Net loans and leases to core deposits | 161.2213% | 327 |
| Total domestic deposits to total assets | 83.7667% | 4,144 |
| Equity capital to assets | 6.2349% | 7,619 |
| Core capital (leverage) ratio | 4.3444% | 7,822 |
| Tier 1 risk-based capital ratio | 5.8659% | 7,822 |
| Total risk-based capital ratio | 7.1522% | 7,824 |
| Memoranda: | ||
| Average total assets | $273,435,600 | 2,393 |
| Average earning assets | $248,154,200 | 2,421 |
| Average equity | $25,520,400 | 2,560 |
| Average total loans | $208,134,000 | 2,221 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9623% | 6,729 |
| Cost of funding earning assets | 3.0734% | 267 |
| Net interest margin | 1.8889% | 7,858 |
| Noninterest income to average assets | 2.0366% | 354 |
| Noninterest expense to average assets | 4.4616% | 774 |
| Loan and lease loss provision to assets | 4.8316% | 186 |
| Net operating income to assets | -3.8032% | 7,728 |
| Return on assets (ROA) | -3.8032% | 7,726 |
| Pretax return on assets | -5.5406% | 7,872 |
| Return on Equity (ROE) | -37.6856% | 7,731 |
| Retained earnings to average equity (ytd only) | -37.6856% | 7,724 |
| Net charge-offs to loans | 7.3180% | 98 |
| Credit loss provision to net charge-offs | 84.8614% | 5,627 |
| Earnings coverage of net charge-offs (x) | -0.1245% | 6,212 |
| Efficiency ratio | 118.0383% | 623 |
| Assets per employee ($millions) | 3.2381% | 5,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0273% | 293 |
| Loan loss allowance to noncurrent loans | 30.8941% | 6,395 |
| Noncurrent assets plus other real estate owned to assets | 10.2421% | 324 |
| Noncurrent loans to loans | 13.0357% | 223 |
| Net loans and leases to total assets | 75.4053% | 2,129 |
| Net loans and leases to deposits | 94.2777% | 1,842 |
| Net loans and leases to core deposits | 152.9722% | 513 |
| Total domestic deposits to total assets | 79.9822% | 5,439 |
| Equity capital to assets | 9.2939% | 5,045 |
| Core capital (leverage) ratio | 6.3830% | 7,708 |
| Tier 1 risk-based capital ratio | 8.1639% | 7,770 |
| Total risk-based capital ratio | 9.4158% | 7,787 |
| Memoranda: | ||
| Average total assets | $274,571,750 | 2,394 |
| Average earning assets | $249,445,750 | 2,430 |
| Average equity | $27,709,250 | 2,410 |
| Average total loans | $213,623,500 | 2,181 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8597% | 7,118 |
| Cost of funding earning assets | 3.2429% | 240 |
| Net interest margin | 1.6168% | 7,986 |
| Noninterest income to average assets | 1.8453% | 432 |
| Noninterest expense to average assets | 4.4405% | 821 |
| Loan and lease loss provision to assets | 3.8602% | 337 |
| Net operating income to assets | -3.1656% | 7,706 |
| Return on assets (ROA) | -3.1656% | 7,705 |
| Pretax return on assets | -4.9804% | 7,854 |
| Return on Equity (ROE) | -30.6446% | 7,719 |
| Retained earnings to average equity (ytd only) | -30.6446% | 7,691 |
| Net charge-offs to loans | 5.3356% | 224 |
| Credit loss provision to net charge-offs | 93.2636% | 4,824 |
| Earnings coverage of net charge-offs (x) | -0.2707% | 5,934 |
| Efficiency ratio | 132.7991% | 502 |
| Assets per employee ($millions) | 3.2856% | 5,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4095% | 184 |
| Loan loss allowance to noncurrent loans | 29.3403% | 6,537 |
| Noncurrent assets plus other real estate owned to assets | 11.8485% | 191 |
| Noncurrent loans to loans | 15.0287% | 133 |
| Net loans and leases to total assets | 75.3631% | 2,354 |
| Net loans and leases to deposits | 94.3223% | 2,046 |
| Net loans and leases to core deposits | 159.2179% | 466 |
| Total domestic deposits to total assets | 79.8996% | 5,508 |
| Equity capital to assets | 9.9329% | 4,040 |
| Core capital (leverage) ratio | 7.2696% | 7,279 |
| Tier 1 risk-based capital ratio | 9.2511% | 7,570 |
| Total risk-based capital ratio | 10.5384% | 7,538 |
| Memoranda: | ||
| Average total assets | $281,904,000 | 2,366 |
| Average earning assets | $257,174,330 | 2,379 |
| Average equity | $29,121,000 | 2,331 |
| Average total loans | $218,682,330 | 2,169 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8548% | 7,278 |
| Cost of funding earning assets | 3.2168% | 326 |
| Net interest margin | 1.6380% | 8,024 |
| Noninterest income to average assets | 2.0961% | 335 |
| Noninterest expense to average assets | 4.0438% | 1,133 |
| Loan and lease loss provision to assets | 3.4080% | 308 |
| Net operating income to assets | -2.4862% | 7,762 |
| Return on assets (ROA) | -2.4862% | 7,762 |
| Pretax return on assets | -3.8591% | 7,885 |
| Return on Equity (ROE) | -23.6428% | 7,821 |
| Retained earnings to average equity (ytd only) | -23.6428% | 7,736 |
| Net charge-offs to loans | 5.9868% | 161 |
| Credit loss provision to net charge-offs | 73.9458% | 4,286 |
| Earnings coverage of net charge-offs (x) | -0.0979% | 5,074 |
| Efficiency ratio | 111.7079% | 773 |
| Assets per employee ($millions) | 3.3390% | 5,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0423% | 214 |
| Loan loss allowance to noncurrent loans | 29.5731% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 10.5548% | 198 |
| Noncurrent loans to loans | 13.6690% | 126 |
| Net loans and leases to total assets | 74.0954% | 2,728 |
| Net loans and leases to deposits | 92.1611% | 2,566 |
| Net loans and leases to core deposits | 169.8777% | 347 |
| Total domestic deposits to total assets | 80.3977% | 5,212 |
| Equity capital to assets | 10.2518% | 3,709 |
| Core capital (leverage) ratio | 8.8259% | 4,941 |
| Tier 1 risk-based capital ratio | 10.5030% | 6,392 |
| Total risk-based capital ratio | 11.7838% | 6,275 |
| Memoranda: | ||
| Average total assets | $288,147,500 | 2,345 |
| Average earning assets | $263,247,000 | 2,335 |
| Average equity | $30,301,000 | 2,242 |
| Average total loans | $221,820,000 | 2,167 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6872% | 2,075 |
| Cost of funding earning assets | 3.6011% | 389 |
| Net interest margin | 3.0861% | 6,689 |
| Noninterest income to average assets | 2.6245% | 239 |
| Noninterest expense to average assets | 5.5297% | 493 |
| Loan and lease loss provision to assets | 3.7687% | 184 |
| Net operating income to assets | -2.6682% | 7,752 |
| Return on assets (ROA) | -2.6448% | 7,715 |
| Pretax return on assets | -3.8229% | 7,860 |
| Return on Equity (ROE) | -20.2165% | 7,763 |
| Retained earnings to average equity (ytd only) | -21.9795% | 7,731 |
| Net charge-offs to loans | 2.2510% | 460 |
| Credit loss provision to net charge-offs | 228.6199% | 2,077 |
| Earnings coverage of net charge-offs (x) | -0.0534% | 6,285 |
| Efficiency ratio | 87.8492% | 1,691 |
| Assets per employee ($millions) | 3.1429% | 5,643 |
| Cash dividends to net income (ytd only)* | -8.7209% | 7,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4414% | 141 |
| Loan loss allowance to noncurrent loans | 55.2962% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 6.1644% | 470 |
| Noncurrent loans to loans | 8.0320% | 334 |
| Net loans and leases to total assets | 73.3390% | 3,274 |
| Net loans and leases to deposits | 91.6171% | 3,197 |
| Net loans and leases to core deposits | 181.5159% | 275 |
| Total domestic deposits to total assets | 80.0495% | 5,002 |
| Equity capital to assets | 10.7780% | 3,224 |
| Core capital (leverage) ratio | 9.8438% | 3,594 |
| Tier 1 risk-based capital ratio | 11.9842% | 4,837 |
| Total risk-based capital ratio | 13.2715% | 4,689 |
| Memoranda: | ||
| Average total assets | $286,144,600 | 2,279 |
| Average earning assets | $261,200,600 | 2,279 |
| Average equity | $37,434,800 | 1,805 |
| Average total loans | $209,550,000 | 2,208 |