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International Bank, Performance and Condition Ratios
| 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 | 7.8508% | 109 |
| Cost of funding earning assets | 1.8104% | 5,067 |
| Net interest margin | 6.0404% | 100 |
| Noninterest income to average assets | 0.9387% | 1,699 |
| Noninterest expense to average assets | 3.3898% | 2,389 |
| Loan and lease loss provision to assets | 0.1565% | 4,930 |
| Net operating income to assets | 1.7940% | 537 |
| Return on assets (ROA) | 1.7940% | 592 |
| Pretax return on assets | 2.7692% | 160 |
| Return on Equity (ROE) | 18.7568% | 527 |
| Retained earnings to average equity (ytd only) | 18.7568% | 207 |
| Net charge-offs to loans | 0.0068% | 5,591 |
| Credit loss provision to net charge-offs | 3,000.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 561.0000% | 41 |
| Efficiency ratio | 53.6746% | 7,251 |
| Assets per employee ($millions) | 3.2431% | 5,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 4,144 |
| Loan loss allowance to noncurrent loans | 104.1783% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 1.1139% | 4,457 |
| Noncurrent loans to loans | 1.2361% | 4,500 |
| Net loans and leases to total assets | 73.6670% | 2,845 |
| Net loans and leases to deposits | 81.9278% | 4,298 |
| Net loans and leases to core deposits | 108.2421% | 3,649 |
| Total domestic deposits to total assets | 89.9170% | 835 |
| Equity capital to assets | 9.7091% | 4,371 |
| Core capital (leverage) ratio | 9.5491% | 3,925 |
| Tier 1 risk-based capital ratio | 11.2128% | 5,692 |
| Total risk-based capital ratio | 12.3578% | 5,716 |
| Memoranda: | ||
| Average total assets | $76,700,500 | 5,922 |
| Average earning assets | $68,273,500 | 5,974 |
| Average equity | $7,336,000 | 6,284 |
| Average total loans | $59,021,500 | 5,403 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3300% | 124 |
| Cost of funding earning assets | 2.3051% | 5,124 |
| Net interest margin | 6.0249% | 106 |
| Noninterest income to average assets | 0.9082% | 1,927 |
| Noninterest expense to average assets | 3.5094% | 2,372 |
| Loan and lease loss provision to assets | 0.3120% | 3,877 |
| Net operating income to assets | 1.6637% | 723 |
| Return on assets (ROA) | 1.6637% | 694 |
| Pretax return on assets | 2.5666% | 173 |
| Return on Equity (ROE) | 19.3939% | 424 |
| Retained earnings to average equity (ytd only) | 19.3939% | 39 |
| Net charge-offs to loans | 0.0861% | 5,521 |
| Credit loss provision to net charge-offs | 470.0000% | 939 |
| Earnings coverage of net charge-offs (x) | 43.3600% | 852 |
| Efficiency ratio | 54.9366% | 7,159 |
| Assets per employee ($millions) | 3.1486% | 5,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 4,537 |
| Loan loss allowance to noncurrent loans | 71.3294% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 1.3339% | 3,547 |
| Noncurrent loans to loans | 1.6812% | 3,246 |
| Net loans and leases to total assets | 78.3914% | 2,025 |
| Net loans and leases to deposits | 88.9633% | 3,645 |
| Net loans and leases to core deposits | 119.6099% | 2,732 |
| Total domestic deposits to total assets | 88.1165% | 1,423 |
| Equity capital to assets | 9.4155% | 4,804 |
| Core capital (leverage) ratio | 9.5382% | 3,961 |
| Tier 1 risk-based capital ratio | 10.2282% | 6,490 |
| Total risk-based capital ratio | 11.2816% | 6,580 |
| Memoranda: | ||
| Average total assets | $75,312,600 | 5,863 |
| Average earning assets | $68,499,600 | 5,872 |
| Average equity | $6,460,800 | 6,652 |
| Average total loans | $58,104,200 | 5,362 |