Home > Commerce Bank of Southwest Florida > Performance and Condition Ratios
Commerce Bank of Southwest Florida, Performance and Condition Ratios
| 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 | 4.3962% | 7,612 |
| Cost of funding earning assets | 2.7500% | 687 |
| Net interest margin | 1.6462% | 7,918 |
| Noninterest income to average assets | -1.6419% | 8,084 |
| Noninterest expense to average assets | 5.0944% | 456 |
| Loan and lease loss provision to assets | 7.9162% | 43 |
| Net operating income to assets | -13.1261% | 8,067 |
| Return on assets (ROA) | -13.1261% | 8,067 |
| Pretax return on assets | -13.1261% | 8,067 |
| Return on Equity (ROE) | -359.5543% | 8,089 |
| Retained earnings to average equity (ytd only) | -359.5543% | 8,089 |
| Net charge-offs to loans | 8.2362% | 78 |
| Credit loss provision to net charge-offs | 119.6937% | 4,244 |
| Earnings coverage of net charge-offs (x) | -0.7877% | 6,588 |
| Efficiency ratio | -4,410.7692% | 8,097 |
| Assets per employee ($millions) | 7.8886% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1552% | 587 |
| Loan loss allowance to noncurrent loans | 17.2143% | 7,226 |
| Noncurrent assets plus other real estate owned to assets | 18.4275% | 62 |
| Noncurrent loans to loans | 18.3292% | 84 |
| Net loans and leases to total assets | 72.0242% | 3,033 |
| Net loans and leases to deposits | 70.2201% | 5,888 |
| Net loans and leases to core deposits | 91.5725% | 5,272 |
| Total domestic deposits to total assets | 102.5691% | 4 |
| Equity capital to assets | -2.8903% | 8,092 |
| Core capital (leverage) ratio | -2.6234% | 8,094 |
| Tier 1 risk-based capital ratio | -3.9967% | 8,095 |
| Total risk-based capital ratio | -3.9967% | 8,095 |
| Memoranda: | ||
| Average total assets | $75,034,500 | 5,907 |
| Average earning assets | $69,573,500 | 5,858 |
| Average equity | $2,739,250 | 7,736 |
| Average total loans | $60,252,500 | 5,274 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3223% | 7,766 |
| Cost of funding earning assets | 2.7087% | 1,011 |
| Net interest margin | 1.6136% | 7,987 |
| Noninterest income to average assets | 0.1283% | 7,327 |
| Noninterest expense to average assets | 3.1081% | 3,669 |
| Loan and lease loss provision to assets | 4.4802% | 256 |
| Net operating income to assets | -5.9361% | 7,998 |
| Return on assets (ROA) | -5.9361% | 7,987 |
| Pretax return on assets | -5.9361% | 7,945 |
| Return on Equity (ROE) | -104.5585% | 8,079 |
| Retained earnings to average equity (ytd only) | -104.5585% | 8,078 |
| Net charge-offs to loans | 1.0903% | 1,665 |
| Credit loss provision to net charge-offs | 500.2924% | 916 |
| Earnings coverage of net charge-offs (x) | -1.6257% | 6,320 |
| Efficiency ratio | 188.1141% | 223 |
| Assets per employee ($millions) | 7.0270% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8054% | 301 |
| Loan loss allowance to noncurrent loans | 18.0648% | 7,235 |
| Noncurrent assets plus other real estate owned to assets | 19.1767% | 43 |
| Noncurrent loans to loans | 21.0652% | 47 |
| Net loans and leases to total assets | 75.2824% | 2,371 |
| Net loans and leases to deposits | 83.8789% | 3,903 |
| Net loans and leases to core deposits | 113.1570% | 3,002 |
| Total domestic deposits to total assets | 89.7512% | 934 |
| Equity capital to assets | 3.9691% | 8,100 |
| Core capital (leverage) ratio | 4.1669% | 8,082 |
| Tier 1 risk-based capital ratio | 5.3810% | 8,085 |
| Total risk-based capital ratio | 6.6649% | 8,088 |
| Memoranda: | ||
| Average total assets | $76,380,330 | 5,907 |
| Average earning assets | $72,137,670 | 5,819 |
| Average equity | $4,336,330 | 7,298 |
| Average total loans | $62,736,330 | 5,225 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7715% | 7,409 |
| Cost of funding earning assets | 2.9509% | 682 |
| Net interest margin | 1.8206% | 7,970 |
| Noninterest income to average assets | 0.1475% | 7,242 |
| Noninterest expense to average assets | 3.0242% | 3,658 |
| Loan and lease loss provision to assets | 2.6870% | 415 |
| Net operating income to assets | -3.8408% | 7,969 |
| Return on assets (ROA) | -3.8408% | 7,961 |
| Pretax return on assets | -3.8408% | 7,883 |
| Return on Equity (ROE) | -58.6661% | 8,083 |
| Retained earnings to average equity (ytd only) | -58.6661% | 8,067 |
| Net charge-offs to loans | 0.8832% | 1,483 |
| Credit loss provision to net charge-offs | 361.7021% | 1,406 |
| Earnings coverage of net charge-offs (x) | -1.5532% | 5,432 |
| Efficiency ratio | 161.6901% | 299 |
| Assets per employee ($millions) | 6.7694% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1074% | 1,221 |
| Loan loss allowance to noncurrent loans | 13.9895% | 7,435 |
| Noncurrent assets plus other real estate owned to assets | 14.7523% | 83 |
| Noncurrent loans to loans | 15.0645% | 103 |
| Net loans and leases to total assets | 81.2202% | 1,148 |
| Net loans and leases to deposits | 92.9903% | 2,435 |
| Net loans and leases to core deposits | 126.5728% | 1,884 |
| Total domestic deposits to total assets | 87.3427% | 2,041 |
| Equity capital to assets | 6.1856% | 7,961 |
| Core capital (leverage) ratio | 6.0358% | 7,994 |
| Tier 1 risk-based capital ratio | 8.0127% | 8,009 |
| Total risk-based capital ratio | 9.2756% | 8,034 |
| Memoranda: | ||
| Average total assets | $75,922,000 | 5,947 |
| Average earning assets | $71,843,000 | 5,850 |
| Average equity | $4,970,500 | 7,119 |
| Average total loans | $63,858,000 | 5,213 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3557% | 3,662 |
| Cost of funding earning assets | 3.2376% | 1,074 |
| Net interest margin | 3.1181% | 6,601 |
| Noninterest income to average assets | 0.1573% | 7,302 |
| Noninterest expense to average assets | 3.7522% | 1,846 |
| Loan and lease loss provision to assets | 3.5057% | 227 |
| Net operating income to assets | -4.0904% | 7,999 |
| Return on assets (ROA) | -4.0904% | 7,986 |
| Pretax return on assets | -4.0904% | 7,904 |
| Return on Equity (ROE) | -55.1023% | 8,179 |
| Retained earnings to average equity (ytd only) | -55.1023% | 8,165 |
| Net charge-offs to loans | 3.9570% | 169 |
| Credit loss provision to net charge-offs | 97.4135% | 5,462 |
| Earnings coverage of net charge-offs (x) | -0.1625% | 6,355 |
| Efficiency ratio | 118.4603% | 589 |
| Assets per employee ($millions) | 7.0346% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4150% | 3,110 |
| Loan loss allowance to noncurrent loans | 13.4807% | 7,439 |
| Noncurrent assets plus other real estate owned to assets | 9.6871% | 178 |
| Noncurrent loans to loans | 10.4967% | 191 |
| Net loans and leases to total assets | 84.0025% | 886 |
| Net loans and leases to deposits | 96.7508% | 2,325 |
| Net loans and leases to core deposits | 137.0974% | 1,429 |
| Total domestic deposits to total assets | 86.8236% | 2,022 |
| Equity capital to assets | 6.8945% | 7,781 |
| Core capital (leverage) ratio | 7.4571% | 7,254 |
| Tier 1 risk-based capital ratio | 8.8438% | 7,880 |
| Total risk-based capital ratio | 10.0970% | 7,916 |
| Memoranda: | ||
| Average total assets | $76,275,800 | 5,825 |
| Average earning assets | $73,634,400 | 5,678 |
| Average equity | $5,662,200 | 6,929 |
| Average total loans | $69,371,200 | 4,895 |