Home > IBERIABANK fsb > Performance and Condition Ratios
IBERIABANK fsb, 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 | 4.7369% | 5,665 |
| Cost of funding earning assets | 1.4254% | 3,101 |
| Net interest margin | 3.3115% | 5,945 |
| Noninterest income to average assets | 3.6359% | 187 |
| Noninterest expense to average assets | 4.9224% | 446 |
| Loan and lease loss provision to assets | 0.7546% | 2,174 |
| Net operating income to assets | 0.5007% | 4,091 |
| Return on assets (ROA) | 0.5046% | 4,237 |
| Pretax return on assets | 0.7600% | 3,759 |
| Return on Equity (ROE) | 2.8930% | 4,996 |
| Retained earnings to average equity (ytd only) | 2.8930% | 3,830 |
| Net charge-offs to loans | 1.1674% | 1,908 |
| Credit loss provision to net charge-offs | 93.2896% | 4,976 |
| Earnings coverage of net charge-offs (x) | 1.8653% | 4,326 |
| Efficiency ratio | 74.7219% | 3,251 |
| Assets per employee ($millions) | 3.0903% | 5,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7142% | 3,163 |
| Loan loss allowance to noncurrent loans | 71.2325% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 2.4763% | 2,792 |
| Noncurrent loans to loans | 2.4065% | 3,107 |
| Net loans and leases to total assets | 71.1793% | 2,263 |
| Net loans and leases to deposits | 90.6710% | 1,441 |
| Net loans and leases to core deposits | 98.2525% | 1,774 |
| Total domestic deposits to total assets | 78.5028% | 6,214 |
| Equity capital to assets | 18.1110% | 367 |
| Core capital (leverage) ratio | 10.8278% | 2,292 |
| Tier 1 risk-based capital ratio | 12.7400% | 4,829 |
| Total risk-based capital ratio | 13.9789% | 4,812 |
| Memoranda: | ||
| Average total assets | $1,639,756,400 | 417 |
| Average earning assets | $1,384,125,600 | 442 |
| Average equity | $286,001,400 | 264 |
| Average total loans | $1,136,090,000 | 396 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7235% | 5,937 |
| Cost of funding earning assets | 1.5099% | 2,915 |
| Net interest margin | 3.2137% | 6,297 |
| Noninterest income to average assets | 3.2557% | 202 |
| Noninterest expense to average assets | 4.8351% | 430 |
| Loan and lease loss provision to assets | 0.4546% | 3,202 |
| Net operating income to assets | 0.4652% | 4,465 |
| Return on assets (ROA) | 0.4655% | 4,653 |
| Pretax return on assets | 0.6738% | 4,330 |
| Return on Equity (ROE) | 2.6951% | 5,352 |
| Retained earnings to average equity (ytd only) | 2.6951% | 4,539 |
| Net charge-offs to loans | 0.6591% | 2,785 |
| Credit loss provision to net charge-offs | 100.7032% | 4,285 |
| Earnings coverage of net charge-offs (x) | 2.4986% | 3,921 |
| Efficiency ratio | 79.1151% | 2,472 |
| Assets per employee ($millions) | 3.1904% | 5,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7577% | 2,945 |
| Loan loss allowance to noncurrent loans | 96.2623% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 2.0243% | 3,437 |
| Noncurrent loans to loans | 1.8260% | 3,903 |
| Net loans and leases to total assets | 69.9959% | 2,733 |
| Net loans and leases to deposits | 90.3441% | 1,675 |
| Net loans and leases to core deposits | 97.9698% | 2,047 |
| Total domestic deposits to total assets | 77.4770% | 6,375 |
| Equity capital to assets | 16.8166% | 542 |
| Core capital (leverage) ratio | 9.6029% | 3,762 |
| Tier 1 risk-based capital ratio | 11.8032% | 5,632 |
| Total risk-based capital ratio | 13.0431% | 5,629 |
| Memoranda: | ||
| Average total assets | $1,637,911,750 | 412 |
| Average earning assets | $1,379,861,000 | 442 |
| Average equity | $282,923,500 | 263 |
| Average total loans | $1,121,895,750 | 399 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7014% | 6,144 |
| Cost of funding earning assets | 1.5483% | 2,969 |
| Net interest margin | 3.1531% | 6,455 |
| Noninterest income to average assets | 2.8995% | 226 |
| Noninterest expense to average assets | 4.6367% | 504 |
| Loan and lease loss provision to assets | 0.4120% | 3,261 |
| Net operating income to assets | 0.3623% | 4,921 |
| Return on assets (ROA) | 0.3626% | 5,079 |
| Pretax return on assets | 0.4996% | 4,899 |
| Return on Equity (ROE) | 2.0799% | 5,613 |
| Retained earnings to average equity (ytd only) | 2.0799% | 4,817 |
| Net charge-offs to loans | 0.7930% | 2,267 |
| Credit loss provision to net charge-offs | 76.9426% | 4,790 |
| Earnings coverage of net charge-offs (x) | 1.7014% | 4,232 |
| Efficiency ratio | 81.4251% | 2,241 |
| Assets per employee ($millions) | 3.1490% | 5,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8306% | 2,631 |
| Loan loss allowance to noncurrent loans | 81.5198% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 2.0768% | 3,410 |
| Noncurrent loans to loans | 2.2456% | 3,433 |
| Net loans and leases to total assets | 65.3561% | 3,973 |
| Net loans and leases to deposits | 85.0969% | 2,682 |
| Net loans and leases to core deposits | 91.9331% | 3,001 |
| Total domestic deposits to total assets | 76.8019% | 6,546 |
| Equity capital to assets | 17.0270% | 522 |
| Core capital (leverage) ratio | 9.6384% | 3,626 |
| Tier 1 risk-based capital ratio | 12.4080% | 4,936 |
| Total risk-based capital ratio | 13.6484% | 4,929 |
| Memoranda: | ||
| Average total assets | $1,614,925,330 | 420 |
| Average earning assets | $1,356,433,000 | 450 |
| Average equity | $281,552,000 | 266 |
| Average total loans | $1,090,489,000 | 420 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7383% | 6,120 |
| Cost of funding earning assets | 1.5535% | 3,247 |
| Net interest margin | 3.1847% | 6,337 |
| Noninterest income to average assets | 2.6599% | 235 |
| Noninterest expense to average assets | 4.5680% | 533 |
| Loan and lease loss provision to assets | 0.5892% | 2,149 |
| Net operating income to assets | 0.1655% | 5,806 |
| Return on assets (ROA) | 0.1665% | 5,927 |
| Pretax return on assets | 0.1698% | 5,969 |
| Return on Equity (ROE) | 0.9435% | 6,130 |
| Retained earnings to average equity (ytd only) | 0.9435% | 5,436 |
| Net charge-offs to loans | 1.3198% | 1,298 |
| Credit loss provision to net charge-offs | 65.6285% | 4,189 |
| Earnings coverage of net charge-offs (x) | 0.8443% | 4,291 |
| Efficiency ratio | 83.4839% | 2,072 |
| Assets per employee ($millions) | 3.1609% | 5,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8481% | 2,582 |
| Loan loss allowance to noncurrent loans | 77.6915% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 2.2381% | 3,226 |
| Noncurrent loans to loans | 2.3788% | 3,299 |
| Net loans and leases to total assets | 64.8609% | 4,127 |
| Net loans and leases to deposits | 84.5583% | 2,843 |
| Net loans and leases to core deposits | 93.0049% | 2,976 |
| Total domestic deposits to total assets | 76.7055% | 6,624 |
| Equity capital to assets | 17.0418% | 530 |
| Core capital (leverage) ratio | 9.6067% | 3,633 |
| Tier 1 risk-based capital ratio | 12.3111% | 4,891 |
| Total risk-based capital ratio | 13.5514% | 4,862 |
| Memoranda: | ||
| Average total assets | $1,587,900,000 | 439 |
| Average earning assets | $1,329,346,500 | 469 |
| Average equity | $280,239,500 | 271 |
| Average total loans | $1,080,175,000 | 438 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0531% | 6,251 |
| Cost of funding earning assets | 1.9313% | 3,292 |
| Net interest margin | 3.1218% | 6,307 |
| Noninterest income to average assets | 2.2711% | 316 |
| Noninterest expense to average assets | 4.7868% | 614 |
| Loan and lease loss provision to assets | 1.8007% | 1,255 |
| Net operating income to assets | -1.1165% | 6,654 |
| Return on assets (ROA) | -0.6148% | 6,281 |
| Pretax return on assets | -0.9830% | 6,399 |
| Return on Equity (ROE) | -3.4069% | 6,042 |
| Retained earnings to average equity (ytd only) | -3.4069% | 5,770 |
| Net charge-offs to loans | 2.0428% | 1,197 |
| Credit loss provision to net charge-offs | 136.3026% | 3,627 |
| Earnings coverage of net charge-offs (x) | 0.0257% | 6,165 |
| Efficiency ratio | 96.6693% | 1,287 |
| Assets per employee ($millions) | 3.0157% | 6,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9902% | 2,055 |
| Loan loss allowance to noncurrent loans | 71.8055% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 2.6508% | 2,650 |
| Noncurrent loans to loans | 2.7717% | 2,787 |
| Net loans and leases to total assets | 68.7229% | 3,543 |
| Net loans and leases to deposits | 91.4280% | 1,982 |
| Net loans and leases to core deposits | 114.8474% | 2,430 |
| Total domestic deposits to total assets | 75.1661% | 6,839 |
| Equity capital to assets | 18.3018% | 426 |
| Core capital (leverage) ratio | 10.3523% | 2,736 |
| Tier 1 risk-based capital ratio | 12.4498% | 4,560 |
| Total risk-based capital ratio | 13.6917% | 4,520 |
| Memoranda: | ||
| Average total assets | $1,487,885,200 | 459 |
| Average earning assets | $1,215,215,400 | 503 |
| Average equity | $268,513,600 | 276 |
| Average total loans | $962,266,000 | 495 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1050% | 6,246 |
| Cost of funding earning assets | 2.0229% | 3,243 |
| Net interest margin | 3.0821% | 6,360 |
| Noninterest income to average assets | 1.9455% | 394 |
| Noninterest expense to average assets | 4.8926% | 529 |
| Loan and lease loss provision to assets | 1.8723% | 982 |
| Net operating income to assets | -1.8277% | 7,249 |
| Return on assets (ROA) | -0.9964% | 6,834 |
| Pretax return on assets | -1.2613% | 6,845 |
| Return on Equity (ROE) | -5.5413% | 6,506 |
| Retained earnings to average equity (ytd only) | -5.5413% | 6,325 |
| Net charge-offs to loans | 2.5376% | 723 |
| Credit loss provision to net charge-offs | 116.6198% | 4,358 |
| Earnings coverage of net charge-offs (x) | -0.2749% | 6,341 |
| Efficiency ratio | 107.0564% | 834 |
| Assets per employee ($millions) | 3.1368% | 5,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7584% | 2,413 |
| Loan loss allowance to noncurrent loans | 67.8021% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 2.3973% | 2,874 |
| Noncurrent loans to loans | 2.5934% | 2,911 |
| Net loans and leases to total assets | 63.8000% | 4,904 |
| Net loans and leases to deposits | 86.6162% | 3,207 |
| Net loans and leases to core deposits | 109.5844% | 3,281 |
| Total domestic deposits to total assets | 73.6583% | 7,009 |
| Equity capital to assets | 18.5531% | 464 |
| Core capital (leverage) ratio | 10.3058% | 2,965 |
| Tier 1 risk-based capital ratio | 13.6310% | 3,761 |
| Total risk-based capital ratio | 14.8656% | 3,708 |
| Memoranda: | ||
| Average total assets | $1,477,610,750 | 478 |
| Average earning assets | $1,201,309,750 | 520 |
| Average equity | $265,684,000 | 286 |
| Average total loans | $934,808,000 | 523 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2961% | 5,674 |
| Cost of funding earning assets | 2.1191% | 3,190 |
| Net interest margin | 3.1770% | 5,997 |
| Noninterest income to average assets | 2.0456% | 356 |
| Noninterest expense to average assets | 4.9655% | 522 |
| Loan and lease loss provision to assets | 0.7870% | 2,118 |
| Net operating income to assets | -0.8051% | 6,836 |
| Return on assets (ROA) | 0.2119% | 5,303 |
| Pretax return on assets | 0.4450% | 4,813 |
| Return on Equity (ROE) | 1.1916% | 5,573 |
| Retained earnings to average equity (ytd only) | 1.1916% | 4,681 |
| Net charge-offs to loans | 0.8146% | 2,057 |
| Credit loss provision to net charge-offs | 154.1045% | 2,979 |
| Earnings coverage of net charge-offs (x) | -0.6994% | 6,149 |
| Efficiency ratio | 104.9742% | 997 |
| Assets per employee ($millions) | 3.1196% | 5,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7176% | 2,280 |
| Loan loss allowance to noncurrent loans | 67.4297% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 2.7011% | 2,378 |
| Noncurrent loans to loans | 2.5473% | 2,843 |
| Net loans and leases to total assets | 64.3014% | 4,922 |
| Net loans and leases to deposits | 86.7898% | 3,394 |
| Net loans and leases to core deposits | 109.5753% | 3,424 |
| Total domestic deposits to total assets | 74.0886% | 6,941 |
| Equity capital to assets | 18.0059% | 549 |
| Core capital (leverage) ratio | 9.3893% | 4,040 |
| Tier 1 risk-based capital ratio | 12.5406% | 4,496 |
| Total risk-based capital ratio | 13.7751% | 4,423 |
| Memoranda: | ||
| Average total assets | $1,469,301,000 | 487 |
| Average earning assets | $1,185,215,330 | 537 |
| Average equity | $261,323,000 | 294 |
| Average total loans | $921,151,000 | 544 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3731% | 5,560 |
| Cost of funding earning assets | 2.2289% | 3,017 |
| Net interest margin | 3.1443% | 6,044 |
| Noninterest income to average assets | 0.6684% | 3,086 |
| Noninterest expense to average assets | 4.5686% | 667 |
| Loan and lease loss provision to assets | 0.2119% | 4,326 |
| Net operating income to assets | -1.0571% | 7,286 |
| Return on assets (ROA) | 0.4176% | 4,963 |
| Pretax return on assets | 0.7105% | 4,399 |
| Return on Equity (ROE) | 2.3623% | 5,635 |
| Retained earnings to average equity (ytd only) | 2.3623% | 4,560 |
| Net charge-offs to loans | 0.5235% | 2,146 |
| Credit loss provision to net charge-offs | 65.9664% | 4,419 |
| Earnings coverage of net charge-offs (x) | -4.3017% | 5,551 |
| Efficiency ratio | 139.3816% | 414 |
| Assets per employee ($millions) | 3.2681% | 5,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4982% | 3,003 |
| Loan loss allowance to noncurrent loans | 71.9891% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 2.2706% | 2,526 |
| Noncurrent loans to loans | 2.0811% | 3,147 |
| Net loans and leases to total assets | 62.5103% | 5,235 |
| Net loans and leases to deposits | 84.4774% | 3,900 |
| Net loans and leases to core deposits | 108.1265% | 3,661 |
| Total domestic deposits to total assets | 73.9966% | 6,892 |
| Equity capital to assets | 18.1376% | 593 |
| Core capital (leverage) ratio | 9.3452% | 4,178 |
| Tier 1 risk-based capital ratio | 12.6166% | 4,460 |
| Total risk-based capital ratio | 13.8513% | 4,394 |
| Memoranda: | ||
| Average total assets | $1,481,771,000 | 489 |
| Average earning assets | $1,186,790,000 | 538 |
| Average equity | $261,949,500 | 294 |
| Average total loans | $909,239,000 | 555 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9668% | 5,716 |
| Cost of funding earning assets | 3.1764% | 1,265 |
| Net interest margin | 2.7904% | 7,349 |
| Noninterest income to average assets | 1.0273% | 1,501 |
| Noninterest expense to average assets | 4.2354% | 1,114 |
| Loan and lease loss provision to assets | 0.5607% | 2,574 |
| Net operating income to assets | -1.4503% | 7,446 |
| Return on assets (ROA) | 0.1635% | 5,784 |
| Pretax return on assets | 0.1784% | 5,774 |
| Return on Equity (ROE) | 1.0371% | 5,908 |
| Retained earnings to average equity (ytd only) | 0.0595% | 5,203 |
| Net charge-offs to loans | 0.9195% | 1,348 |
| Credit loss provision to net charge-offs | 104.1439% | 5,133 |
| Earnings coverage of net charge-offs (x) | -1.8850% | 6,701 |
| Efficiency ratio | 127.8742% | 484 |
| Assets per employee ($millions) | 3.4142% | 4,904 |
| Cash dividends to net income (ytd only)* | 94.2623% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5821% | 2,318 |
| Loan loss allowance to noncurrent loans | 63.0847% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 2.4065% | 2,017 |
| Noncurrent loans to loans | 2.5078% | 2,171 |
| Net loans and leases to total assets | 58.4086% | 6,141 |
| Net loans and leases to deposits | 76.7350% | 5,507 |
| Net loans and leases to core deposits | 98.7952% | 4,949 |
| Total domestic deposits to total assets | 76.1172% | 6,212 |
| Equity capital to assets | 17.2374% | 755 |
| Core capital (leverage) ratio | 8.7809% | 5,067 |
| Tier 1 risk-based capital ratio | 12.5040% | 4,432 |
| Total risk-based capital ratio | 13.7385% | 4,348 |
| Memoranda: | ||
| Average total assets | $1,492,528,800 | 471 |
| Average earning assets | $1,173,048,400 | 527 |
| Average equity | $235,281,200 | 321 |
| Average total loans | $873,963,000 | 560 |