Home > IronStone Bank > Performance and Condition Ratios
IronStone Bank, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4310% | 2,541 |
| Cost of funding earning assets | 1.6330% | 1,900 |
| Net interest margin | 3.7980% | 3,955 |
| Noninterest income to average assets | 0.5234% | 4,000 |
| Noninterest expense to average assets | 3.2479% | 2,920 |
| Loan and lease loss provision to assets | 0.6742% | 2,446 |
| Net operating income to assets | 0.0358% | 5,743 |
| Return on assets (ROA) | 0.0912% | 5,747 |
| Pretax return on assets | 0.0903% | 5,721 |
| Return on Equity (ROE) | 0.7909% | 5,754 |
| Retained earnings to average equity (ytd only) | 0.7909% | 5,157 |
| Net charge-offs to loans | 0.7624% | 2,734 |
| Credit loss provision to net charge-offs | 108.4806% | 4,075 |
| Earnings coverage of net charge-offs (x) | 1.1410% | 4,965 |
| Efficiency ratio | 82.0792% | 2,154 |
| Assets per employee ($millions) | 6.0412% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8915% | 2,589 |
| Loan loss allowance to noncurrent loans | 95.2281% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 2.1913% | 3,111 |
| Noncurrent loans to loans | 1.9863% | 3,583 |
| Net loans and leases to total assets | 81.3742% | 503 |
| Net loans and leases to deposits | 104.3688% | 387 |
| Net loans and leases to core deposits | 109.2068% | 972 |
| Total domestic deposits to total assets | 77.9680% | 6,320 |
| Equity capital to assets | 11.7680% | 2,063 |
| Core capital (leverage) ratio | 11.6900% | 1,732 |
| Tier 1 risk-based capital ratio | 13.0673% | 4,551 |
| Total risk-based capital ratio | 14.8507% | 4,101 |
| Memoranda: | ||
| Average total assets | $2,749,108,800 | 260 |
| Average earning assets | $2,485,382,800 | 259 |
| Average equity | $317,107,800 | 247 |
| Average total loans | $2,240,988,600 | 219 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4140% | 2,815 |
| Cost of funding earning assets | 1.6797% | 1,969 |
| Net interest margin | 3.7343% | 4,250 |
| Noninterest income to average assets | 0.5214% | 4,018 |
| Noninterest expense to average assets | 3.2614% | 2,702 |
| Loan and lease loss provision to assets | 0.6928% | 2,214 |
| Net operating income to assets | -0.0478% | 6,093 |
| Return on assets (ROA) | -0.0049% | 6,137 |
| Pretax return on assets | 0.0027% | 6,080 |
| Return on Equity (ROE) | -0.0427% | 6,138 |
| Retained earnings to average equity (ytd only) | -0.0427% | 5,796 |
| Net charge-offs to loans | 0.7940% | 2,462 |
| Credit loss provision to net charge-offs | 107.5186% | 3,969 |
| Earnings coverage of net charge-offs (x) | 0.9753% | 5,086 |
| Efficiency ratio | 83.8433% | 1,852 |
| Assets per employee ($millions) | 6.0857% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8883% | 2,515 |
| Loan loss allowance to noncurrent loans | 84.9000% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 2.2348% | 3,151 |
| Noncurrent loans to loans | 2.2241% | 3,420 |
| Net loans and leases to total assets | 79.0351% | 878 |
| Net loans and leases to deposits | 102.3057% | 519 |
| Net loans and leases to core deposits | 106.6713% | 1,268 |
| Total domestic deposits to total assets | 77.2538% | 6,430 |
| Equity capital to assets | 11.4525% | 2,571 |
| Core capital (leverage) ratio | 10.8884% | 2,346 |
| Tier 1 risk-based capital ratio | 12.4307% | 5,050 |
| Total risk-based capital ratio | 14.2181% | 4,580 |
| Memoranda: | ||
| Average total assets | $2,749,204,750 | 257 |
| Average earning assets | $2,479,868,250 | 255 |
| Average equity | $315,517,500 | 243 |
| Average total loans | $2,231,266,250 | 218 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4123% | 2,925 |
| Cost of funding earning assets | 1.7339% | 1,949 |
| Net interest margin | 3.6784% | 4,461 |
| Noninterest income to average assets | 0.5102% | 4,025 |
| Noninterest expense to average assets | 3.2976% | 2,572 |
| Loan and lease loss provision to assets | 0.6406% | 2,244 |
| Net operating income to assets | -0.0820% | 6,202 |
| Return on assets (ROA) | -0.0706% | 6,275 |
| Pretax return on assets | -0.1025% | 6,246 |
| Return on Equity (ROE) | -0.6148% | 6,276 |
| Retained earnings to average equity (ytd only) | -0.6148% | 5,881 |
| Net charge-offs to loans | 0.7693% | 2,322 |
| Credit loss provision to net charge-offs | 102.3403% | 3,989 |
| Earnings coverage of net charge-offs (x) | 0.8334% | 4,936 |
| Efficiency ratio | 86.3411% | 1,670 |
| Assets per employee ($millions) | 6.0942% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8563% | 2,546 |
| Loan loss allowance to noncurrent loans | 112.1752% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 1.8663% | 3,670 |
| Noncurrent loans to loans | 1.6548% | 4,222 |
| Net loans and leases to total assets | 78.4659% | 1,035 |
| Net loans and leases to deposits | 101.2156% | 639 |
| Net loans and leases to core deposits | 105.5117% | 1,493 |
| Total domestic deposits to total assets | 77.5236% | 6,387 |
| Equity capital to assets | 11.3845% | 2,535 |
| Core capital (leverage) ratio | 10.8527% | 2,365 |
| Tier 1 risk-based capital ratio | 12.4441% | 4,911 |
| Total risk-based capital ratio | 14.1893% | 4,454 |
| Memoranda: | ||
| Average total assets | $2,730,442,000 | 260 |
| Average earning assets | $2,456,342,330 | 258 |
| Average equity | $313,590,000 | 245 |
| Average total loans | $2,221,689,000 | 220 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3825% | 3,127 |
| Cost of funding earning assets | 1.7942% | 1,904 |
| Net interest margin | 3.5883% | 4,780 |
| Noninterest income to average assets | 0.4881% | 4,142 |
| Noninterest expense to average assets | 3.3368% | 2,405 |
| Loan and lease loss provision to assets | 0.5748% | 2,194 |
| Net operating income to assets | -0.1199% | 6,450 |
| Return on assets (ROA) | -0.1143% | 6,521 |
| Pretax return on assets | -0.1728% | 6,531 |
| Return on Equity (ROE) | -0.9904% | 6,527 |
| Retained earnings to average equity (ytd only) | -0.9904% | 6,046 |
| Net charge-offs to loans | 0.7909% | 1,941 |
| Credit loss provision to net charge-offs | 88.5065% | 3,692 |
| Earnings coverage of net charge-offs (x) | 0.6059% | 4,482 |
| Efficiency ratio | 89.4520% | 1,474 |
| Assets per employee ($millions) | 6.0510% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8686% | 2,529 |
| Loan loss allowance to noncurrent loans | 124.6254% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 1.8227% | 3,753 |
| Noncurrent loans to loans | 1.4994% | 4,493 |
| Net loans and leases to total assets | 77.6858% | 1,209 |
| Net loans and leases to deposits | 100.3440% | 730 |
| Net loans and leases to core deposits | 100.3648% | 2,090 |
| Total domestic deposits to total assets | 77.4195% | 6,464 |
| Equity capital to assets | 11.2439% | 2,541 |
| Core capital (leverage) ratio | 10.7527% | 2,415 |
| Tier 1 risk-based capital ratio | 12.6079% | 4,639 |
| Total risk-based capital ratio | 14.3838% | 4,204 |
| Memoranda: | ||
| Average total assets | $2,684,852,500 | 276 |
| Average earning assets | $2,425,866,000 | 272 |
| Average equity | $309,771,000 | 249 |
| Average total loans | $2,204,590,500 | 234 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5342% | 3,969 |
| Cost of funding earning assets | 2.1975% | 2,049 |
| Net interest margin | 3.3367% | 5,600 |
| Noninterest income to average assets | 0.4961% | 4,450 |
| Noninterest expense to average assets | 3.4827% | 2,413 |
| Loan and lease loss provision to assets | 1.2961% | 1,784 |
| Net operating income to assets | -0.8170% | 6,448 |
| Return on assets (ROA) | -0.8110% | 6,442 |
| Pretax return on assets | -1.2557% | 6,576 |
| Return on Equity (ROE) | -7.2215% | 6,403 |
| Retained earnings to average equity (ytd only) | -7.2215% | 6,262 |
| Net charge-offs to loans | 1.3530% | 1,844 |
| Credit loss provision to net charge-offs | 114.6418% | 4,774 |
| Earnings coverage of net charge-offs (x) | 0.0276% | 6,162 |
| Efficiency ratio | 99.1134% | 1,148 |
| Assets per employee ($millions) | 5.6966% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8895% | 2,290 |
| Loan loss allowance to noncurrent loans | 101.7009% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 2.0510% | 3,332 |
| Noncurrent loans to loans | 1.8579% | 3,851 |
| Net loans and leases to total assets | 83.6726% | 469 |
| Net loans and leases to deposits | 109.9680% | 384 |
| Net loans and leases to core deposits | 151.5506% | 474 |
| Total domestic deposits to total assets | 76.0881% | 6,662 |
| Equity capital to assets | 11.8540% | 2,107 |
| Core capital (leverage) ratio | 11.3509% | 2,006 |
| Tier 1 risk-based capital ratio | 12.3127% | 4,669 |
| Total risk-based capital ratio | 14.1052% | 4,197 |
| Memoranda: | ||
| Average total assets | $2,622,428,000 | 280 |
| Average earning assets | $2,371,699,200 | 279 |
| Average equity | $294,510,400 | 256 |
| Average total loans | $2,191,277,400 | 240 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4888% | 4,474 |
| Cost of funding earning assets | 2.2892% | 2,024 |
| Net interest margin | 3.1996% | 6,024 |
| Noninterest income to average assets | 0.4930% | 4,544 |
| Noninterest expense to average assets | 3.4457% | 2,435 |
| Loan and lease loss provision to assets | 1.3521% | 1,428 |
| Net operating income to assets | -0.9046% | 6,766 |
| Return on assets (ROA) | -0.8945% | 6,768 |
| Pretax return on assets | -1.3924% | 6,911 |
| Return on Equity (ROE) | -8.0750% | 6,738 |
| Retained earnings to average equity (ytd only) | -8.0750% | 6,611 |
| Net charge-offs to loans | 1.4990% | 1,368 |
| Credit loss provision to net charge-offs | 108.4973% | 4,687 |
| Earnings coverage of net charge-offs (x) | -0.0450% | 6,122 |
| Efficiency ratio | 101.6532% | 992 |
| Assets per employee ($millions) | 5.9049% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8114% | 2,240 |
| Loan loss allowance to noncurrent loans | 102.1691% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 2.0901% | 3,223 |
| Noncurrent loans to loans | 1.7729% | 3,957 |
| Net loans and leases to total assets | 80.7854% | 1,022 |
| Net loans and leases to deposits | 105.5571% | 673 |
| Net loans and leases to core deposits | 143.5101% | 778 |
| Total domestic deposits to total assets | 76.5325% | 6,462 |
| Equity capital to assets | 11.2867% | 2,760 |
| Core capital (leverage) ratio | 10.7538% | 2,602 |
| Tier 1 risk-based capital ratio | 12.1050% | 4,871 |
| Total risk-based capital ratio | 13.8254% | 4,443 |
| Memoranda: | ||
| Average total assets | $2,631,474,250 | 289 |
| Average earning assets | $2,382,393,750 | 290 |
| Average equity | $291,494,750 | 266 |
| Average total loans | $2,187,684,000 | 255 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4738% | 4,757 |
| Cost of funding earning assets | 2.4055% | 1,949 |
| Net interest margin | 3.0683% | 6,340 |
| Noninterest income to average assets | 0.4845% | 4,584 |
| Noninterest expense to average assets | 3.4495% | 2,494 |
| Loan and lease loss provision to assets | 1.4573% | 1,189 |
| Net operating income to assets | -1.0554% | 7,025 |
| Return on assets (ROA) | -1.0470% | 7,016 |
| Pretax return on assets | -1.6299% | 7,144 |
| Return on Equity (ROE) | -9.5125% | 6,997 |
| Retained earnings to average equity (ytd only) | -9.5125% | 6,821 |
| Net charge-offs to loans | 1.6474% | 1,147 |
| Credit loss provision to net charge-offs | 106.0384% | 4,342 |
| Earnings coverage of net charge-offs (x) | -0.1351% | 5,827 |
| Efficiency ratio | 105.6871% | 974 |
| Assets per employee ($millions) | 6.0657% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7731% | 2,123 |
| Loan loss allowance to noncurrent loans | 81.5212% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 2.3920% | 2,715 |
| Noncurrent loans to loans | 2.1750% | 3,282 |
| Net loans and leases to total assets | 79.9390% | 1,323 |
| Net loans and leases to deposits | 103.8173% | 928 |
| Net loans and leases to core deposits | 143.6999% | 851 |
| Total domestic deposits to total assets | 76.9997% | 6,330 |
| Equity capital to assets | 10.8823% | 3,036 |
| Core capital (leverage) ratio | 10.3973% | 2,903 |
| Tier 1 risk-based capital ratio | 11.8365% | 5,065 |
| Total risk-based capital ratio | 13.5240% | 4,614 |
| Memoranda: | ||
| Average total assets | $2,626,839,670 | 295 |
| Average earning assets | $2,379,504,000 | 301 |
| Average equity | $289,134,330 | 272 |
| Average total loans | $2,191,410,330 | 261 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5288% | 4,760 |
| Cost of funding earning assets | 2.5619% | 1,689 |
| Net interest margin | 2.9668% | 6,568 |
| Noninterest income to average assets | 0.4736% | 4,559 |
| Noninterest expense to average assets | 3.3923% | 2,382 |
| Loan and lease loss provision to assets | 1.3917% | 915 |
| Net operating income to assets | -1.0380% | 7,278 |
| Return on assets (ROA) | -1.0253% | 7,282 |
| Pretax return on assets | -1.6030% | 7,406 |
| Return on Equity (ROE) | -9.2614% | 7,315 |
| Retained earnings to average equity (ytd only) | -9.2614% | 7,036 |
| Net charge-offs to loans | 1.1031% | 1,235 |
| Credit loss provision to net charge-offs | 149.3665% | 2,802 |
| Earnings coverage of net charge-offs (x) | -0.2481% | 5,164 |
| Efficiency ratio | 107.3144% | 889 |
| Assets per employee ($millions) | 6.1036% | 1,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8220% | 1,801 |
| Loan loss allowance to noncurrent loans | 85.8343% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 2.6666% | 2,149 |
| Noncurrent loans to loans | 2.1227% | 3,087 |
| Net loans and leases to total assets | 81.0426% | 1,193 |
| Net loans and leases to deposits | 105.0162% | 941 |
| Net loans and leases to core deposits | 148.6782% | 751 |
| Total domestic deposits to total assets | 77.1716% | 6,233 |
| Equity capital to assets | 10.9659% | 2,991 |
| Core capital (leverage) ratio | 10.4554% | 2,977 |
| Tier 1 risk-based capital ratio | 11.7674% | 5,151 |
| Total risk-based capital ratio | 13.5240% | 4,639 |
| Memoranda: | ||
| Average total assets | $2,608,835,500 | 298 |
| Average earning assets | $2,363,207,000 | 302 |
| Average equity | $288,812,000 | 272 |
| Average total loans | $2,203,576,000 | 263 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0382% | 5,376 |
| Cost of funding earning assets | 3.1487% | 1,358 |
| Net interest margin | 2.8895% | 7,172 |
| Noninterest income to average assets | 0.4880% | 4,713 |
| Noninterest expense to average assets | 3.4069% | 2,655 |
| Loan and lease loss provision to assets | 1.4077% | 984 |
| Net operating income to assets | -1.1148% | 7,295 |
| Return on assets (ROA) | -1.1238% | 7,244 |
| Pretax return on assets | -1.7161% | 7,346 |
| Return on Equity (ROE) | -10.4671% | 7,311 |
| Retained earnings to average equity (ytd only) | -10.4671% | 7,110 |
| Net charge-offs to loans | 1.0657% | 1,149 |
| Credit loss provision to net charge-offs | 156.6971% | 3,322 |
| Earnings coverage of net charge-offs (x) | -0.3279% | 6,431 |
| Efficiency ratio | 109.4634% | 716 |
| Assets per employee ($millions) | 5.8247% | 1,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6814% | 1,960 |
| Loan loss allowance to noncurrent loans | 119.8748% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 2.1460% | 2,289 |
| Noncurrent loans to loans | 1.4026% | 3,709 |
| Net loans and leases to total assets | 84.9917% | 739 |
| Net loans and leases to deposits | 110.7762% | 782 |
| Net loans and leases to core deposits | 162.7803% | 523 |
| Total domestic deposits to total assets | 76.7238% | 6,063 |
| Equity capital to assets | 11.1784% | 2,892 |
| Core capital (leverage) ratio | 10.7110% | 2,810 |
| Tier 1 risk-based capital ratio | 11.5487% | 5,199 |
| Total risk-based capital ratio | 13.1630% | 4,793 |
| Memoranda: | ||
| Average total assets | $2,572,168,800 | 292 |
| Average earning assets | $2,336,190,800 | 290 |
| Average equity | $276,169,200 | 285 |
| Average total loans | $2,168,312,200 | 259 |