IBOC » Topics » Summary

This excerpt taken from the IBOC DEF 14A filed Apr 17, 2009.

Summary

        In summary, our Board believes the 2008 executive compensation program's mix of salary, annual cash bonus incentives, and longer-term equity-based incentives in the form of stock options motivates the Company's management team to produce strong results for shareholders. Our Board believes this compensation program strikes an appropriate balance between the interests and needs of the Company and appropriate employee rewards based on shareholder value creation.

This excerpt taken from the IBOC DEF 14A filed Apr 18, 2008.

Summary

        In summary, our Board believes the executive compensation program's mix of salary, annual cash bonus incentives, and longer-term equity-based incentives in the form of stock options motivates the Company's management team to produce strong results for shareholders. Our Board believes this compensation program strikes an appropriate balance between the interests and needs of the Company and appropriate employee rewards based on shareholder value creation.

This excerpt taken from the IBOC DEF 14A filed Apr 20, 2007.

Summary

In summary, our Board believes the executive compensation program’s mix of salary, annual cash bonus incentives, and longer-term equity-based incentives in the form of stock options motivates our management team to produce strong results for shareholders. Our Board believes this compensation program strikes an appropriate balance between the interests and needs of the Company and appropriate employee rewards based on shareholder value creation.

This excerpt taken from the IBOC 10-K filed Mar 15, 2006.

Summary

Consolidated Statements of Condition Information

 
  December 31, 2005
  December 31, 2004
  Percent Increase
(Decrease)

 
 
  (Dollars in Thousands)

   
 
Assets   $ 10,391,853   $ 9,921,505   4.7 %
Net loans     4,547,896     4,807,623   (5.4 )
Deposits     6,656,426     6,571,104   1.3 %
Other borrowed funds     1,870,075     1,670,199   12.0  
Junior subordinated deferrable interest debentures     236,391     235,395   .4  
Shareholders' equity     792,867     753,090   5.3  

Consolidated Statements of Income Information

 
  Year Ended
December 31,
2005

  Year Ended
December 31,
2004

  Percent
Increase
(Decrease)
2005 vs. 2004

  Year ended
December 31,
2003

  Percent
Increase
(Decrease)
2004 vs. 2003

 
 
  (Dollars in Thousands)

 
Interest income   $ 508,705   $ 352,378   44.4 % $ 318,051   10.8 %
Interest expense     206,830     108,602   90.4     94,725   14.6  
Net interest income     301,875     243,776   23.8     223,326   9.2  
Provision for possible loan losses     960     5,196   (81.5 )   8,044   (35.4 )
Non-interest income     167,222     134,816   24.0     127,273   5.9  
Non-interest expense     255,988     196,484   30.3     160,001   22.8  
Net income     140,779     119,032   18.3     122,128   (2.5 )

Per common share:

 

 

 

 

 

 

 

 

 

 

 

 

 

 
  Basic   $ 2.21   $ 1.92   15.1 % $ 2.02   (5.0 )%
  Diluted     2.18     1.88   16.0     1.98   (5.1 )

Efficiency Ratio

 

 

54.6

%

 

51.9

%

5.2

%

 

45.6

%

13.8

%
This excerpt taken from the IBOC 10-K filed Mar 15, 2005.

Summary

Consolidated Statements of Condition Information

 
  December 31, 2004
  December 31, 2003
  Percent Increase
(Decrease)

 
 
  (Dollars in Thousands)

   
 
Assets   $ 9,917,951   $ 6,578,310   50.8 %
Net loans     4,804,069     2,700,354   77.9  
Deposits     6,571,104     4,435,699   48.1  
Other borrowed funds     1,670,199     845,272   97.6  
Shareholders' equity     753,090     577,383   30.4  

Consolidated Statements of Income Information

 
  Year Ended
December 31,
2004

  Year Ended
December 31,
2003

  Percent Increase (Decrease)
2004 vs. 2003

  Year ended
December 31,
2002

  Percent Increase (Decrease)
2003 vs. 2002

 
 
  (Dollars in Thousands)

 
Interest income   $ 352,378   $ 318,051   10.8 % $ 353,928   (10.1 )%
Interest expense     108,602     94,725   14.6     116,415   (18.6 )
Net interest income     243,776     223,326   9.2     237,513   (6.0 )
Provision for possible loan losses     6,500     8,291   (21.6 )   8,541   (2.9 )
Non-interest income     134,816     127,273   5.9     85,645   48.6  
Non-interest expense     195,180     159,754   22.6     154,843   3.2  
Net income     119,032     122,128   (2.5 )   100,631   21.4  

Per common share:

 

 

 

 

 

 

 

 

 

 

 

 

 

 
  Basic   $ 2.39   $ 2.53   (5.5 )% $ 2.01   25.9 %
  Diluted     2.35     2.48   (5.2 )   1.97   25.9  

Efficiency Ratio

 

 

51.6

%

 

45.6

%

13.2

%

 

47.9

%

(4.8

)%
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