Home > Commerce Bank of Wyoming, N.A. > Performance and Condition Ratios
Commerce Bank of Wyoming, N.A., Performance and Condition Ratios
| 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 | 6.1194% | 1,727 |
| Cost of funding earning assets | 2.3325% | 2,228 |
| Net interest margin | 3.7869% | 3,602 |
| Noninterest income to average assets | 0.0349% | 7,815 |
| Noninterest expense to average assets | 2.5242% | 6,041 |
| Loan and lease loss provision to assets | 0.0291% | 6,953 |
| Net operating income to assets | 0.7201% | 3,168 |
| Return on assets (ROA) | 0.8026% | 2,940 |
| Pretax return on assets | 1.2185% | 2,247 |
| Return on Equity (ROE) | 7.5974% | 2,922 |
| Retained earnings to average equity (ytd only) | 7.5974% | 1,353 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2185% | 4,942 |
| Assets per employee ($millions) | 8.2795% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 4,210 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2214% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 63.6693% | 5,051 |
| Net loans and leases to deposits | 72.1222% | 5,717 |
| Net loans and leases to core deposits | 121.9091% | 2,216 |
| Total domestic deposits to total assets | 88.2798% | 1,633 |
| Equity capital to assets | 11.2069% | 2,749 |
| Core capital (leverage) ratio | 10.5505% | 2,768 |
| Tier 1 risk-based capital ratio | 12.4077% | 4,592 |
| Total risk-based capital ratio | 13.3846% | 4,723 |
| Memoranda: | ||
| Average total assets | $68,774,330 | 6,120 |
| Average earning assets | $65,594,330 | 6,020 |
| Average equity | $7,265,670 | 6,276 |
| Average total loans | $45,124,000 | 5,978 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0221% | 2,272 |
| Cost of funding earning assets | 2.4457% | 2,121 |
| Net interest margin | 3.5764% | 4,422 |
| Noninterest income to average assets | 0.0343% | 7,906 |
| Noninterest expense to average assets | 2.2101% | 6,842 |
| Loan and lease loss provision to assets | 0.0571% | 6,246 |
| Net operating income to assets | 0.7904% | 3,169 |
| Return on assets (ROA) | 0.8281% | 3,160 |
| Pretax return on assets | 1.2564% | 2,429 |
| Return on Equity (ROE) | 8.0701% | 3,114 |
| Retained earnings to average equity (ytd only) | 8.0701% | 1,787 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7562% | 5,734 |
| Assets per employee ($millions) | 7.9328% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 4,344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1135% | 4,458 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 61.4651% | 5,421 |
| Net loans and leases to deposits | 68.6680% | 6,116 |
| Net loans and leases to core deposits | 132.1538% | 1,528 |
| Total domestic deposits to total assets | 89.5105% | 1,000 |
| Equity capital to assets | 10.1604% | 3,811 |
| Core capital (leverage) ratio | 10.1947% | 3,200 |
| Tier 1 risk-based capital ratio | 12.2439% | 4,750 |
| Total risk-based capital ratio | 13.2259% | 4,873 |
| Memoranda: | ||
| Average total assets | $70,043,500 | 6,115 |
| Average earning assets | $67,219,000 | 5,999 |
| Average equity | $7,187,000 | 6,339 |
| Average total loans | $46,320,000 | 5,944 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8092% | 1,648 |
| Cost of funding earning assets | 2.9654% | 2,003 |
| Net interest margin | 3.8439% | 3,824 |
| Noninterest income to average assets | 0.0288% | 7,989 |
| Noninterest expense to average assets | 2.8102% | 4,778 |
| Loan and lease loss provision to assets | 0.3976% | 3,305 |
| Net operating income to assets | 0.3324% | 5,433 |
| Return on assets (ROA) | 0.5837% | 4,245 |
| Pretax return on assets | 0.8882% | 3,760 |
| Return on Equity (ROE) | 5.0490% | 4,363 |
| Retained earnings to average equity (ytd only) | 5.0490% | 1,997 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6375% | 3,295 |
| Assets per employee ($millions) | 7.6324% | 536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 4,985 |
| Loan loss allowance to noncurrent loans | 69.1824% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 1.1573% | 3,954 |
| Noncurrent loans to loans | 1.6495% | 3,297 |
| Net loans and leases to total assets | 69.3632% | 4,175 |
| Net loans and leases to deposits | 77.8889% | 5,357 |
| Net loans and leases to core deposits | 147.7106% | 950 |
| Total domestic deposits to total assets | 89.0540% | 1,024 |
| Equity capital to assets | 10.3651% | 3,651 |
| Core capital (leverage) ratio | 10.6306% | 2,878 |
| Tier 1 risk-based capital ratio | 13.6296% | 3,739 |
| Total risk-based capital ratio | 14.7259% | 3,736 |
| Memoranda: | ||
| Average total assets | $59,107,000 | 6,413 |
| Average earning assets | $56,687,600 | 6,315 |
| Average equity | $6,833,000 | 6,513 |
| Average total loans | $39,917,600 | 6,162 |