NASDAQ - IBNK
  • email this
  • PDF view
  • Print view

Financial Information

Trend Analysis--Quarterly (click here for Annual Analysis)

For the definition of a financial field, click on the field name.

Balance Sheet ($000)
 2009 Q32008 Q3Y-Y
Ch (%)		2009 Q2Q-Q
Ch (%)†
Loans Held for Investment, before Reserves2,205,6612,460,810(10.37)2,349,472(24.48)
Loans Held for Sale, before Reserves41,2536,679517.6510,5351,166.32
Loan Loss Reserve79,36441,76690.0282,309(14.31)
Net Loans Receivable2,167,5502,425,723(10.64)2,277,698(19.34)
Intangible Assets8,66485,183(89.83)9,085(18.54)
Total Assets3,258,3253,356,842(2.93)3,346,262(10.51)
Deposits2,472,7622,385,7943.652,474,355(0.26)
Debt, Senior and Subordinated549,375664,858(17.37)613,130(41.59)
Common Equity120,604276,588(56.40)141,620(59.36)
Total Shareholders' Equity202,532276,588(26.77)223,464(37.47)
Shares Outstanding (actual)20,937,18420,748,7980.9120,708,5554.42
Income Statement ($000)
 2009 Q32008 Q3Y-Y
Ch (%)		2009 Q2Q-Q
Ch (%)†
Net Interest Income16,05023,860(32.73)16,774(17.26)
Provision for Loan Losses18,91317,9785.2032,536(167.48)
Noninterest Income8,24910,171(18.90)7,85120.28
Noninterest Expense24,36972,187(66.24)27,546(46.13)
Net Income Before Taxes(12,405)(56,121)(77.90)(55,915)(311.26)
Provision for Taxes7,330(22,794)NM(7,451)NM
Net Income(19,735)(33,327)(40.78)(48,464)(237.12)
Per Share Items ($)
 2009 Q32008 Q3Y-Y
Ch (%)		2009 Q2Q-Q
Ch (%)†
Book Value per Share5.7613.33(56.79)6.84(63.08)
Tangible Book Value5.359.22(42.04)6.40(65.85)
Diluted EPS Before Extra(1.01)(1.62)(37.65)(2.39)(230.96)
Diluted EPS After Extra(1.01)(1.62)(37.65)(2.39)(230.96)
Dividends Declared0.00000.0100NM0.0100NM
Performance Ratios (%)
 2009 Q32008 Q3Y-Y
Ch (bp)		2009 Q2Q-Q
Ch (bp)
ROAA(2.34)(3.93)159(5.53)319
ROAE(35.58)(41.59)602(74.58)3,901
Net Interest Margin2.353.22(87)2.341
Loans / Deposits89.20103.14(1,395)94.95(575)
Efficiency Ratio96.7668.492,827102.45(569)
Balance Sheet Ratios (%)
 2009 Q32008 Q3Y-Y
Ch (bp)		2009 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets5.975.85126.42(46)
Equity/ Assets6.228.24(202)6.68(46)
Asset Quality Ratios (%)
 2009 Q32008 Q3Y-Y
Ch (bp)		2009 Q2Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA2.59NA6.15NA
Loan Loss Reserves/ Gross Loans3.531.691843.494
Loan Loss Reserves/ NPAsNA48.05NA39.98NA
Net Charge-offs/ Avg Loans3.761.312454.76(101)
Regulatory Capital Ratios (%)
 2009 Q32008 Q3Y-Y
Ch (bp)		2009 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio8.219.05(84)8.52(31)
  † Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



Copyright 2009, © SNL Financial LC  Terms of Use