Home > Irwin Union Bank, F.S.B. > Performance and Condition Ratios
Irwin Union Bank, F.S.B., 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 | 5.9315% | 2,454 |
| Cost of funding earning assets | 2.5536% | 1,432 |
| Net interest margin | 3.3780% | 5,259 |
| Noninterest income to average assets | 0.3439% | 5,759 |
| Noninterest expense to average assets | 4.4090% | 852 |
| Loan and lease loss provision to assets | 1.3388% | 1,292 |
| Net operating income to assets | -5.4150% | 7,969 |
| Return on assets (ROA) | -5.4097% | 7,962 |
| Pretax return on assets | -2.4134% | 7,397 |
| Return on Equity (ROE) | -60.8466% | 7,977 |
| Retained earnings to average equity (ytd only) | -60.8466% | 7,972 |
| Net charge-offs to loans | 2.8778% | 570 |
| Credit loss provision to net charge-offs | 53.9045% | 5,700 |
| Earnings coverage of net charge-offs (x) | -0.4348% | 6,037 |
| Efficiency ratio | 132.2023% | 507 |
| Assets per employee ($millions) | 5.0306% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9057% | 612 |
| Loan loss allowance to noncurrent loans | 36.9259% | 5,945 |
| Noncurrent assets plus other real estate owned to assets | 8.0287% | 469 |
| Noncurrent loans to loans | 7.8691% | 567 |
| Net loans and leases to total assets | 84.5124% | 557 |
| Net loans and leases to deposits | 94.6588% | 1,996 |
| Net loans and leases to core deposits | 135.1341% | 1,257 |
| Total domestic deposits to total assets | 89.2811% | 1,131 |
| Equity capital to assets | 7.9685% | 6,788 |
| Core capital (leverage) ratio | 7.9662% | 6,394 |
| Tier 1 risk-based capital ratio | 9.1848% | 7,600 |
| Total risk-based capital ratio | 10.4347% | 7,604 |
| Memoranda: | ||
| Average total assets | $563,030,670 | 1,263 |
| Average earning assets | $497,577,000 | 1,298 |
| Average equity | $50,057,000 | 1,374 |
| Average total loans | $485,926,330 | 1,030 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0721% | 2,065 |
| Cost of funding earning assets | 2.6251% | 1,491 |
| Net interest margin | 3.4471% | 4,953 |
| Noninterest income to average assets | 0.4748% | 4,552 |
| Noninterest expense to average assets | 3.8465% | 1,391 |
| Loan and lease loss provision to assets | 1.5031% | 835 |
| Net operating income to assets | -2.8346% | 7,819 |
| Return on assets (ROA) | -2.8244% | 7,823 |
| Pretax return on assets | -1.9048% | 7,505 |
| Return on Equity (ROE) | -30.3742% | 7,907 |
| Retained earnings to average equity (ytd only) | -30.3742% | 7,859 |
| Net charge-offs to loans | 2.4427% | 583 |
| Credit loss provision to net charge-offs | 71.5680% | 4,326 |
| Earnings coverage of net charge-offs (x) | -0.1962% | 5,129 |
| Efficiency ratio | 111.7764% | 772 |
| Assets per employee ($millions) | 5.2515% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1664% | 416 |
| Loan loss allowance to noncurrent loans | 90.2845% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 3.9770% | 1,295 |
| Noncurrent loans to loans | 3.5071% | 1,815 |
| Net loans and leases to total assets | 87.3742% | 312 |
| Net loans and leases to deposits | 97.9381% | 1,676 |
| Net loans and leases to core deposits | 138.3866% | 1,182 |
| Total domestic deposits to total assets | 89.2137% | 1,137 |
| Equity capital to assets | 9.6830% | 4,408 |
| Core capital (leverage) ratio | 8.8304% | 4,938 |
| Tier 1 risk-based capital ratio | 9.7789% | 7,166 |
| Total risk-based capital ratio | 11.0288% | 7,077 |
| Memoranda: | ||
| Average total assets | $585,470,500 | 1,220 |
| Average earning assets | $502,689,500 | 1,287 |
| Average equity | $54,441,000 | 1,244 |
| Average total loans | $503,386,000 | 993 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7075% | 2,002 |
| Cost of funding earning assets | 2.7855% | 2,769 |
| Net interest margin | 3.9221% | 3,474 |
| Noninterest income to average assets | 0.5610% | 4,150 |
| Noninterest expense to average assets | 4.1737% | 1,176 |
| Loan and lease loss provision to assets | 3.1522% | 283 |
| Net operating income to assets | -2.0072% | 7,603 |
| Return on assets (ROA) | -1.8446% | 7,521 |
| Pretax return on assets | -3.0527% | 7,717 |
| Return on Equity (ROE) | -20.8212% | 7,780 |
| Retained earnings to average equity (ytd only) | -20.8212% | 7,702 |
| Net charge-offs to loans | 2.0953% | 506 |
| Credit loss provision to net charge-offs | 178.6045% | 2,826 |
| Earnings coverage of net charge-offs (x) | -0.0876% | 6,313 |
| Efficiency ratio | 103.7160% | 878 |
| Assets per employee ($millions) | 7.2417% | 636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1479% | 383 |
| Loan loss allowance to noncurrent loans | 151.2692% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 2.3215% | 2,096 |
| Noncurrent loans to loans | 2.0810% | 2,659 |
| Net loans and leases to total assets | 79.7380% | 1,715 |
| Net loans and leases to deposits | 91.9622% | 3,140 |
| Net loans and leases to core deposits | 129.6294% | 1,875 |
| Total domestic deposits to total assets | 86.7073% | 2,089 |
| Equity capital to assets | 8.9688% | 5,409 |
| Core capital (leverage) ratio | 8.1719% | 6,219 |
| Tier 1 risk-based capital ratio | 9.9452% | 6,801 |
| Total risk-based capital ratio | 11.1952% | 6,692 |
| Memoranda: | ||
| Average total assets | $660,212,800 | 1,013 |
| Average earning assets | $582,091,000 | 1,060 |
| Average equity | $58,488,400 | 1,146 |
| Average total loans | $556,106,400 | 857 |