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Irwin Union Bank and Trust Company, Performance and Condition Ratios
| 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 | 7.2982% | 209 |
| Cost of funding earning assets | 4.6236% | 7 |
| Net interest margin | 2.6746% | 7,257 |
| Noninterest income to average assets | 0.5685% | 3,905 |
| Noninterest expense to average assets | 4.5346% | 750 |
| Loan and lease loss provision to assets | 5.9679% | 138 |
| Net operating income to assets | -8.0590% | 8,080 |
| Return on assets (ROA) | -8.1738% | 8,073 |
| Pretax return on assets | -7.6683% | 8,046 |
| Return on Equity (ROE) | -131.9716% | 8,113 |
| Retained earnings to average equity (ytd only) | -131.9716% | 8,111 |
| Net charge-offs to loans | 6.1237% | 172 |
| Credit loss provision to net charge-offs | 110.3989% | 4,193 |
| Earnings coverage of net charge-offs (x) | -0.2933% | 5,951 |
| Efficiency ratio | 153.7642% | 353 |
| Assets per employee ($millions) | 5.8916% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1207% | 118 |
| Loan loss allowance to noncurrent loans | 71.7554% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 7.5181% | 531 |
| Noncurrent loans to loans | 7.1363% | 673 |
| Net loans and leases to total assets | 85.0984% | 489 |
| Net loans and leases to deposits | 107.2118% | 694 |
| Net loans and leases to core deposits | 131.2107% | 1,475 |
| Total domestic deposits to total assets | 79.3741% | 5,699 |
| Equity capital to assets | 5.5445% | 7,996 |
| Core capital (leverage) ratio | 5.0639% | 8,020 |
| Tier 1 risk-based capital ratio | 5.8489% | 8,064 |
| Total risk-based capital ratio | 8.2474% | 8,018 |
| Memoranda: | ||
| Average total assets | $3,541,111,670 | 238 |
| Average earning assets | $3,151,801,000 | 238 |
| Average equity | $219,323,000 | 344 |
| Average total loans | $3,125,941,330 | 202 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1078% | 84 |
| Cost of funding earning assets | 4.8283% | 5 |
| Net interest margin | 3.2795% | 5,577 |
| Noninterest income to average assets | -1.0954% | 8,217 |
| Noninterest expense to average assets | 4.0202% | 1,161 |
| Loan and lease loss provision to assets | 6.3520% | 113 |
| Net operating income to assets | -9.0546% | 8,163 |
| Return on assets (ROA) | -9.0546% | 8,153 |
| Pretax return on assets | -8.5571% | 8,131 |
| Return on Equity (ROE) | -140.8093% | 8,175 |
| Retained earnings to average equity (ytd only) | -140.8093% | 8,173 |
| Net charge-offs to loans | 5.2012% | 200 |
| Credit loss provision to net charge-offs | 139.1592% | 2,924 |
| Earnings coverage of net charge-offs (x) | -0.4831% | 5,245 |
| Efficiency ratio | 221.4836% | 156 |
| Assets per employee ($millions) | 6.0631% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6062% | 139 |
| Loan loss allowance to noncurrent loans | 70.4130% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 6.1996% | 626 |
| Noncurrent loans to loans | 6.5417% | 668 |
| Net loans and leases to total assets | 81.7543% | 1,054 |
| Net loans and leases to deposits | 108.8207% | 679 |
| Net loans and leases to core deposits | 138.8283% | 1,160 |
| Total domestic deposits to total assets | 75.1275% | 6,684 |
| Equity capital to assets | 6.1017% | 7,980 |
| Core capital (leverage) ratio | 5.0296% | 8,121 |
| Tier 1 risk-based capital ratio | 6.4344% | 8,123 |
| Total risk-based capital ratio | 8.6290% | 8,080 |
| Memoranda: | ||
| Average total assets | $3,891,794,000 | 225 |
| Average earning assets | $3,453,945,500 | 226 |
| Average equity | $250,259,000 | 302 |
| Average total loans | $3,415,410,000 | 186 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3318% | 123 |
| Cost of funding earning assets | 4.0716% | 77 |
| Net interest margin | 4.2602% | 2,091 |
| Noninterest income to average assets | 0.1989% | 7,026 |
| Noninterest expense to average assets | 3.4479% | 2,533 |
| Loan and lease loss provision to assets | 6.6423% | 46 |
| Net operating income to assets | -5.3083% | 8,107 |
| Return on assets (ROA) | -5.7130% | 8,125 |
| Pretax return on assets | -6.5084% | 8,133 |
| Return on Equity (ROE) | -61.7762% | 8,208 |
| Retained earnings to average equity (ytd only) | -61.7762% | 8,199 |
| Net charge-offs to loans | 7.6574% | 32 |
| Credit loss provision to net charge-offs | 95.1706% | 5,543 |
| Earnings coverage of net charge-offs (x) | 0.0851% | 6,195 |
| Efficiency ratio | 85.2754% | 1,924 |
| Assets per employee ($millions) | 6.0955% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1391% | 388 |
| Loan loss allowance to noncurrent loans | 63.4474% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 4.7852% | 753 |
| Noncurrent loans to loans | 4.9475% | 900 |
| Net loans and leases to total assets | 86.6262% | 521 |
| Net loans and leases to deposits | 150.3468% | 79 |
| Net loans and leases to core deposits | 184.3937% | 246 |
| Total domestic deposits to total assets | 57.6176% | 8,024 |
| Equity capital to assets | 6.6979% | 7,872 |
| Core capital (leverage) ratio | 6.3639% | 7,977 |
| Tier 1 risk-based capital ratio | 6.9331% | 8,175 |
| Total risk-based capital ratio | 8.9326% | 8,145 |
| Memoranda: | ||
| Average total assets | $5,019,300,000 | 183 |
| Average earning assets | $4,527,427,800 | 180 |
| Average equity | $464,182,000 | 198 |
| Average total loans | $4,574,827,000 | 145 |