Home > Nevada Commerce Bank > Performance and Condition Ratios
Nevada Commerce Bank, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7010% | 4,521 |
| Cost of funding earning assets | 1.5235% | 1,080 |
| Net interest margin | 3.1776% | 6,142 |
| Noninterest income to average assets | -0.9000% | 7,533 |
| Noninterest expense to average assets | 5.5512% | 250 |
| Loan and lease loss provision to assets | -0.7314% | 7,550 |
| Net operating income to assets | -3.2170% | 7,408 |
| Return on assets (ROA) | -3.2170% | 7,412 |
| Pretax return on assets | -3.2170% | 7,395 |
| Return on Equity (ROE) | -157.2077% | 7,525 |
| Retained earnings to average equity (ytd only) | -157.2077% | 7,520 |
| Net charge-offs to loans | 0.0093% | 4,972 |
| Credit loss provision to net charge-offs | -12,800.0000% | 6,437 |
| Earnings coverage of net charge-offs (x) | -691.0000% | 5,106 |
| Efficiency ratio | 346.3458% | 21 |
| Assets per employee ($millions) | 4.3569% | 3,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6961% | 245 |
| Loan loss allowance to noncurrent loans | 43.8616% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 23.3600% | 37 |
| Noncurrent loans to loans | 10.7066% | 351 |
| Net loans and leases to total assets | 59.4266% | 4,379 |
| Net loans and leases to deposits | 62.4268% | 5,448 |
| Net loans and leases to core deposits | 85.5821% | 2,941 |
| Total domestic deposits to total assets | 95.1941% | 52 |
| Equity capital to assets | 1.6977% | 7,543 |
| Core capital (leverage) ratio | 1.7038% | 7,542 |
| Tier 1 risk-based capital ratio | 2.2417% | 7,543 |
| Total risk-based capital ratio | 3.5239% | 7,544 |
| Memoranda: | ||
| Average total assets | $140,006,500 | 4,064 |
| Average earning assets | $110,273,500 | 4,459 |
| Average equity | $2,865,000 | 7,209 |
| Average total loans | $86,013,500 | 4,081 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1716% | 6,968 |
| Cost of funding earning assets | 1.8153% | 1,112 |
| Net interest margin | 2.3563% | 7,341 |
| Noninterest income to average assets | 0.0934% | 6,925 |
| Noninterest expense to average assets | 4.0904% | 1,038 |
| Loan and lease loss provision to assets | 1.2351% | 1,256 |
| Net operating income to assets | -3.1790% | 7,330 |
| Return on assets (ROA) | -2.9379% | 7,303 |
| Pretax return on assets | -2.9422% | 7,280 |
| Return on Equity (ROE) | -80.6471% | 7,552 |
| Retained earnings to average equity (ytd only) | -80.6471% | 7,550 |
| Net charge-offs to loans | 3.5365% | 400 |
| Credit loss provision to net charge-offs | 56.6800% | 6,143 |
| Earnings coverage of net charge-offs (x) | -0.8941% | 6,579 |
| Efficiency ratio | 190.9483% | 101 |
| Assets per employee ($millions) | 4.5297% | 2,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7991% | 218 |
| Loan loss allowance to noncurrent loans | 41.5254% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 23.6469% | 42 |
| Noncurrent loans to loans | 11.5570% | 320 |
| Net loans and leases to total assets | 57.6713% | 5,072 |
| Net loans and leases to deposits | 61.2729% | 5,925 |
| Net loans and leases to core deposits | 82.2153% | 3,877 |
| Total domestic deposits to total assets | 94.1221% | 82 |
| Equity capital to assets | 2.3712% | 7,596 |
| Core capital (leverage) ratio | 2.2550% | 7,595 |
| Tier 1 risk-based capital ratio | 3.2056% | 7,594 |
| Total risk-based capital ratio | 4.4895% | 7,596 |
| Memoranda: | ||
| Average total assets | $184,112,600 | 3,312 |
| Average earning assets | $160,083,600 | 3,451 |
| Average equity | $6,707,000 | 6,132 |
| Average total loans | $113,447,000 | 3,465 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1344% | 7,167 |
| Cost of funding earning assets | 1.8774% | 1,101 |
| Net interest margin | 2.2570% | 7,497 |
| Noninterest income to average assets | 0.4126% | 4,857 |
| Noninterest expense to average assets | 3.7358% | 1,500 |
| Loan and lease loss provision to assets | 0.9792% | 1,527 |
| Net operating income to assets | -2.3035% | 7,304 |
| Return on assets (ROA) | -1.9982% | 7,255 |
| Pretax return on assets | -2.0023% | 7,198 |
| Return on Equity (ROE) | -51.4927% | 7,570 |
| Retained earnings to average equity (ytd only) | -51.4927% | 7,568 |
| Net charge-offs to loans | 2.6787% | 605 |
| Credit loss provision to net charge-offs | 59.1362% | 5,716 |
| Earnings coverage of net charge-offs (x) | -0.8023% | 6,415 |
| Efficiency ratio | 155.1842% | 181 |
| Assets per employee ($millions) | 4.9029% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6941% | 219 |
| Loan loss allowance to noncurrent loans | 39.0812% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 19.7878% | 64 |
| Noncurrent loans to loans | 12.0113% | 289 |
| Net loans and leases to total assets | 60.5079% | 4,817 |
| Net loans and leases to deposits | 65.1509% | 5,770 |
| Net loans and leases to core deposits | 83.6868% | 3,995 |
| Total domestic deposits to total assets | 92.8734% | 107 |
| Equity capital to assets | 3.6059% | 7,660 |
| Core capital (leverage) ratio | 3.3217% | 7,654 |
| Tier 1 risk-based capital ratio | 5.0231% | 7,638 |
| Total risk-based capital ratio | 6.3104% | 7,638 |
| Memoranda: | ||
| Average total assets | $193,903,500 | 3,222 |
| Average earning assets | $171,370,000 | 3,296 |
| Average equity | $7,524,500 | 5,936 |
| Average total loans | $119,856,750 | 3,371 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2108% | 7,161 |
| Cost of funding earning assets | 1.8561% | 1,401 |
| Net interest margin | 2.3547% | 7,503 |
| Noninterest income to average assets | 0.2808% | 5,900 |
| Noninterest expense to average assets | 3.5847% | 1,821 |
| Loan and lease loss provision to assets | 1.2928% | 1,067 |
| Net operating income to assets | -2.4782% | 7,411 |
| Return on assets (ROA) | -2.3087% | 7,388 |
| Pretax return on assets | -2.3146% | 7,323 |
| Return on Equity (ROE) | -58.3634% | 7,651 |
| Retained earnings to average equity (ytd only) | -58.3634% | 7,648 |
| Net charge-offs to loans | 1.7024% | 1,098 |
| Credit loss provision to net charge-offs | 123.7736% | 3,270 |
| Earnings coverage of net charge-offs (x) | -1.1406% | 6,141 |
| Efficiency ratio | 149.7736% | 207 |
| Assets per employee ($millions) | 5.0928% | 2,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4889% | 134 |
| Loan loss allowance to noncurrent loans | 49.1872% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 14.7576% | 156 |
| Noncurrent loans to loans | 11.1593% | 353 |
| Net loans and leases to total assets | 55.1892% | 5,817 |
| Net loans and leases to deposits | 63.1058% | 6,125 |
| Net loans and leases to core deposits | 75.7323% | 5,223 |
| Total domestic deposits to total assets | 87.4550% | 2,285 |
| Equity capital to assets | 3.5773% | 7,721 |
| Core capital (leverage) ratio | 3.2419% | 7,727 |
| Tier 1 risk-based capital ratio | 5.3225% | 7,683 |
| Total risk-based capital ratio | 6.6213% | 7,683 |
| Memoranda: | ||
| Average total assets | $202,971,670 | 3,124 |
| Average earning assets | $182,105,000 | 3,171 |
| Average equity | $8,029,000 | 5,791 |
| Average total loans | $124,531,000 | 3,311 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0100% | 7,448 |
| Cost of funding earning assets | 1.8555% | 1,633 |
| Net interest margin | 2.1545% | 7,669 |
| Noninterest income to average assets | 0.1599% | 6,826 |
| Noninterest expense to average assets | 3.1546% | 3,034 |
| Loan and lease loss provision to assets | -0.3486% | 7,892 |
| Net operating income to assets | -0.6779% | 6,946 |
| Return on assets (ROA) | -0.6779% | 6,971 |
| Pretax return on assets | -0.6895% | 6,893 |
| Return on Equity (ROE) | -16.4064% | 7,351 |
| Retained earnings to average equity (ytd only) | -16.4064% | 7,259 |
| Net charge-offs to loans | 0.4145% | 2,801 |
| Credit loss provision to net charge-offs | -134.0741% | 6,086 |
| Earnings coverage of net charge-offs (x) | -3.9926% | 5,518 |
| Efficiency ratio | 149.0446% | 214 |
| Assets per employee ($millions) | 5.4222% | 1,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2559% | 302 |
| Loan loss allowance to noncurrent loans | 36.6766% | 5,923 |
| Noncurrent assets plus other real estate owned to assets | 13.4104% | 194 |
| Noncurrent loans to loans | 11.6040% | 314 |
| Net loans and leases to total assets | 63.1878% | 4,493 |
| Net loans and leases to deposits | 74.2467% | 4,703 |
| Net loans and leases to core deposits | 87.9051% | 3,634 |
| Total domestic deposits to total assets | 85.1052% | 3,607 |
| Equity capital to assets | 4.2957% | 7,774 |
| Core capital (leverage) ratio | 4.1302% | 7,766 |
| Tier 1 risk-based capital ratio | 6.2671% | 7,737 |
| Total risk-based capital ratio | 7.5542% | 7,737 |
| Memoranda: | ||
| Average total assets | $207,694,000 | 3,122 |
| Average earning assets | $188,627,500 | 3,137 |
| Average equity | $8,582,000 | 5,663 |
| Average total loans | $130,292,000 | 3,255 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1162% | 6,021 |
| Cost of funding earning assets | 2.2860% | 1,710 |
| Net interest margin | 2.8301% | 7,008 |
| Noninterest income to average assets | 0.6746% | 3,120 |
| Noninterest expense to average assets | 4.2371% | 1,049 |
| Loan and lease loss provision to assets | 2.7705% | 662 |
| Net operating income to assets | -3.5385% | 7,517 |
| Return on assets (ROA) | -3.2021% | 7,445 |
| Pretax return on assets | -3.4696% | 7,416 |
| Return on Equity (ROE) | -51.4392% | 7,697 |
| Retained earnings to average equity (ytd only) | -51.4392% | 7,688 |
| Net charge-offs to loans | 1.7097% | 1,472 |
| Credit loss provision to net charge-offs | 256.8243% | 1,367 |
| Earnings coverage of net charge-offs (x) | -0.9871% | 6,877 |
| Efficiency ratio | 133.5659% | 443 |
| Assets per employee ($millions) | 6.1362% | 1,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6427% | 221 |
| Loan loss allowance to noncurrent loans | 28.9911% | 6,544 |
| Noncurrent assets plus other real estate owned to assets | 12.9061% | 209 |
| Noncurrent loans to loans | 16.0141% | 145 |
| Net loans and leases to total assets | 56.9128% | 5,832 |
| Net loans and leases to deposits | 63.8991% | 6,272 |
| Net loans and leases to core deposits | 88.0721% | 5,324 |
| Total domestic deposits to total assets | 89.0668% | 1,454 |
| Equity capital to assets | 3.9792% | 7,861 |
| Core capital (leverage) ratio | 4.0727% | 7,839 |
| Tier 1 risk-based capital ratio | 6.6126% | 7,784 |
| Total risk-based capital ratio | 7.9021% | 7,783 |
| Memoranda: | ||
| Average total assets | $207,833,200 | 3,082 |
| Average earning assets | $183,418,800 | 3,174 |
| Average equity | $12,937,600 | 4,524 |
| Average total loans | $131,137,400 | 3,250 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4119% | 4,889 |
| Cost of funding earning assets | 2.3381% | 1,850 |
| Net interest margin | 3.0738% | 6,387 |
| Noninterest income to average assets | 0.5512% | 4,065 |
| Noninterest expense to average assets | 4.0103% | 1,263 |
| Loan and lease loss provision to assets | 1.4168% | 1,356 |
| Net operating income to assets | -2.1866% | 7,380 |
| Return on assets (ROA) | -1.9666% | 7,305 |
| Pretax return on assets | -1.9666% | 7,166 |
| Return on Equity (ROE) | -28.8784% | 7,580 |
| Retained earnings to average equity (ytd only) | -28.8784% | 7,570 |
| Net charge-offs to loans | 1.1789% | 1,719 |
| Credit loss provision to net charge-offs | 187.8216% | 2,420 |
| Earnings coverage of net charge-offs (x) | -1.0206% | 6,632 |
| Efficiency ratio | 123.7572% | 544 |
| Assets per employee ($millions) | 5.2007% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5950% | 971 |
| Loan loss allowance to noncurrent loans | 82.5143% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 5.5405% | 1,028 |
| Noncurrent loans to loans | 3.1450% | 2,401 |
| Net loans and leases to total assets | 58.0580% | 5,882 |
| Net loans and leases to deposits | 66.5034% | 6,260 |
| Net loans and leases to core deposits | 94.6954% | 4,958 |
| Total domestic deposits to total assets | 87.3008% | 2,015 |
| Equity capital to assets | 5.8933% | 7,876 |
| Core capital (leverage) ratio | 5.5362% | 7,862 |
| Tier 1 risk-based capital ratio | 8.8844% | 7,658 |
| Total risk-based capital ratio | 10.1559% | 7,678 |
| Memoranda: | ||
| Average total assets | $206,099,750 | 3,124 |
| Average earning assets | $180,313,750 | 3,233 |
| Average equity | $14,035,500 | 4,287 |
| Average total loans | $131,876,500 | 3,264 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2264% | 5,973 |
| Cost of funding earning assets | 2.1585% | 2,994 |
| Net interest margin | 3.0679% | 6,341 |
| Noninterest income to average assets | 0.4864% | 4,567 |
| Noninterest expense to average assets | 3.9030% | 1,479 |
| Loan and lease loss provision to assets | 1.6788% | 1,001 |
| Net operating income to assets | -2.2621% | 7,496 |
| Return on assets (ROA) | -1.9215% | 7,400 |
| Pretax return on assets | -1.9215% | 7,263 |
| Return on Equity (ROE) | -26.8696% | 7,659 |
| Retained earnings to average equity (ytd only) | -26.8696% | 7,629 |
| Net charge-offs to loans | 1.0639% | 1,694 |
| Credit loss provision to net charge-offs | 240.4864% | 1,935 |
| Earnings coverage of net charge-offs (x) | -0.8355% | 6,189 |
| Efficiency ratio | 117.5692% | 717 |
| Assets per employee ($millions) | 5.0376% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5072% | 890 |
| Loan loss allowance to noncurrent loans | 36.9046% | 5,947 |
| Noncurrent assets plus other real estate owned to assets | 7.3632% | 552 |
| Noncurrent loans to loans | 6.7939% | 741 |
| Net loans and leases to total assets | 61.3378% | 5,469 |
| Net loans and leases to deposits | 70.7833% | 5,897 |
| Net loans and leases to core deposits | 99.1234% | 4,589 |
| Total domestic deposits to total assets | 86.6557% | 2,427 |
| Equity capital to assets | 6.3892% | 7,843 |
| Core capital (leverage) ratio | 7.0009% | 7,539 |
| Tier 1 risk-based capital ratio | 9.3288% | 7,522 |
| Total risk-based capital ratio | 10.5739% | 7,508 |
| Memoranda: | ||
| Average total assets | $200,257,000 | 3,223 |
| Average earning assets | $184,944,670 | 3,199 |
| Average equity | $14,321,000 | 4,234 |
| Average total loans | $131,404,330 | 3,315 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4711% | 5,059 |
| Cost of funding earning assets | 2.1601% | 3,369 |
| Net interest margin | 3.3111% | 5,458 |
| Noninterest income to average assets | 0.4061% | 5,169 |
| Noninterest expense to average assets | 4.1400% | 1,008 |
| Loan and lease loss provision to assets | 0.8642% | 1,518 |
| Net operating income to assets | -1.5369% | 7,511 |
| Return on assets (ROA) | -1.1787% | 7,365 |
| Pretax return on assets | -1.1787% | 7,245 |
| Return on Equity (ROE) | -15.5478% | 7,628 |
| Retained earnings to average equity (ytd only) | -15.5478% | 7,464 |
| Net charge-offs to loans | 0.7103% | 1,765 |
| Credit loss provision to net charge-offs | 181.2227% | 2,403 |
| Earnings coverage of net charge-offs (x) | -1.4105% | 5,417 |
| Efficiency ratio | 119.3994% | 643 |
| Assets per employee ($millions) | 4.2944% | 3,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9744% | 1,473 |
| Loan loss allowance to noncurrent loans | 116.8004% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 4.9549% | 911 |
| Noncurrent loans to loans | 1.6904% | 3,719 |
| Net loans and leases to total assets | 64.4707% | 4,905 |
| Net loans and leases to deposits | 73.0464% | 5,607 |
| Net loans and leases to core deposits | 101.3529% | 4,407 |
| Total domestic deposits to total assets | 88.2599% | 1,605 |
| Equity capital to assets | 7.2900% | 7,502 |
| Core capital (leverage) ratio | 7.0851% | 7,574 |
| Tier 1 risk-based capital ratio | 9.7485% | 7,205 |
| Total risk-based capital ratio | 11.0065% | 7,107 |
| Memoranda: | ||
| Average total assets | $192,077,000 | 3,330 |
| Average earning assets | $177,586,500 | 3,312 |
| Average equity | $14,561,500 | 4,213 |
| Average total loans | $128,964,000 | 3,385 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2676% | 4,142 |
| Cost of funding earning assets | 2.1827% | 5,671 |
| Net interest margin | 4.0849% | 2,778 |
| Noninterest income to average assets | 0.2166% | 6,883 |
| Noninterest expense to average assets | 3.8931% | 1,570 |
| Loan and lease loss provision to assets | 3.2963% | 258 |
| Net operating income to assets | -3.1668% | 7,862 |
| Return on assets (ROA) | -2.9184% | 7,778 |
| Pretax return on assets | -2.9184% | 7,688 |
| Return on Equity (ROE) | -29.8768% | 7,960 |
| Retained earnings to average equity (ytd only) | -32.6608% | 7,954 |
| Net charge-offs to loans | 3.7897% | 190 |
| Credit loss provision to net charge-offs | 132.6386% | 4,014 |
| Earnings coverage of net charge-offs (x) | 0.0521% | 6,218 |
| Efficiency ratio | 96.7808% | 1,111 |
| Assets per employee ($millions) | 3.4399% | 4,827 |
| Cash dividends to net income (ytd only)* | -9.3183% | 7,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9452% | 1,327 |
| Loan loss allowance to noncurrent loans | 25.6451% | 6,963 |
| Noncurrent assets plus other real estate owned to assets | 5.5733% | 571 |
| Noncurrent loans to loans | 7.5851% | 374 |
| Net loans and leases to total assets | 67.3258% | 4,583 |
| Net loans and leases to deposits | 78.2443% | 5,305 |
| Net loans and leases to core deposits | 116.5670% | 3,058 |
| Total domestic deposits to total assets | 86.0456% | 2,381 |
| Equity capital to assets | 7.9034% | 6,966 |
| Core capital (leverage) ratio | 7.8882% | 6,670 |
| Tier 1 risk-based capital ratio | 10.3291% | 6,389 |
| Total risk-based capital ratio | 11.5875% | 6,254 |
| Memoranda: | ||
| Average total assets | $169,889,800 | 3,556 |
| Average earning assets | $158,289,400 | 3,501 |
| Average equity | $16,594,800 | 3,810 |
| Average total loans | $111,406,600 | 3,650 |