Home > First Commerce Bank > Performance and Condition Ratios
First Commerce Bank, Performance and Condition Ratios
| 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 | 4.8710% | 5,391 |
| Cost of funding earning assets | 0.7533% | 6,901 |
| Net interest margin | 4.1177% | 2,540 |
| Noninterest income to average assets | 0.4473% | 4,582 |
| Noninterest expense to average assets | 2.8176% | 4,409 |
| Loan and lease loss provision to assets | 0.0062% | 6,954 |
| Net operating income to assets | 0.7346% | 3,261 |
| Return on assets (ROA) | 0.7376% | 3,409 |
| Pretax return on assets | 1.2340% | 2,381 |
| Return on Equity (ROE) | 6.9636% | 3,363 |
| Retained earnings to average equity (ytd only) | 6.9636% | 1,873 |
| Net charge-offs to loans | -0.1134% | 7,569 |
| Credit loss provision to net charge-offs | -7.8049% | 6,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5172% | 4,173 |
| Assets per employee ($millions) | 6.3841% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5202% | 530 |
| Loan loss allowance to noncurrent loans | 185.4988% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 1.2422% | 4,667 |
| Noncurrent loans to loans | 1.8977% | 3,804 |
| Net loans and leases to total assets | 63.1537% | 4,287 |
| Net loans and leases to deposits | 71.1348% | 4,977 |
| Net loans and leases to core deposits | 73.6550% | 5,340 |
| Total domestic deposits to total assets | 88.7802% | 1,520 |
| Equity capital to assets | 10.6368% | 3,365 |
| Core capital (leverage) ratio | 10.6695% | 2,533 |
| Tier 1 risk-based capital ratio | 13.4729% | 4,224 |
| Total risk-based capital ratio | 14.7472% | 4,163 |
| Memoranda: | ||
| Average total assets | $345,434,500 | 1,916 |
| Average earning assets | $302,492,500 | 1,993 |
| Average equity | $36,589,500 | 1,830 |
| Average total loans | $241,049,250 | 1,837 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8970% | 5,401 |
| Cost of funding earning assets | 0.7763% | 6,986 |
| Net interest margin | 4.1207% | 2,465 |
| Noninterest income to average assets | 0.3409% | 5,424 |
| Noninterest expense to average assets | 2.9519% | 3,882 |
| Loan and lease loss provision to assets | 0.0059% | 6,827 |
| Net operating income to assets | 0.5960% | 3,896 |
| Return on assets (ROA) | 0.6005% | 4,013 |
| Pretax return on assets | 0.9941% | 3,141 |
| Return on Equity (ROE) | 5.6771% | 3,957 |
| Retained earnings to average equity (ytd only) | 5.6771% | 2,509 |
| Net charge-offs to loans | -0.0304% | 7,353 |
| Credit loss provision to net charge-offs | -27.0270% | 6,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8292% | 3,298 |
| Assets per employee ($millions) | 5.8833% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4573% | 563 |
| Loan loss allowance to noncurrent loans | 174.7724% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 1.7227% | 3,864 |
| Noncurrent loans to loans | 1.9782% | 3,754 |
| Net loans and leases to total assets | 67.1483% | 3,585 |
| Net loans and leases to deposits | 75.8600% | 4,364 |
| Net loans and leases to core deposits | 78.7485% | 4,841 |
| Total domestic deposits to total assets | 88.5160% | 1,718 |
| Equity capital to assets | 10.9854% | 2,876 |
| Core capital (leverage) ratio | 10.8769% | 2,342 |
| Tier 1 risk-based capital ratio | 13.3750% | 4,152 |
| Total risk-based capital ratio | 14.6493% | 4,102 |
| Memoranda: | ||
| Average total assets | $341,408,670 | 1,958 |
| Average earning assets | $298,592,670 | 2,034 |
| Average equity | $36,110,000 | 1,852 |
| Average total loans | $243,392,330 | 1,849 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8255% | 5,786 |
| Cost of funding earning assets | 0.8137% | 7,044 |
| Net interest margin | 4.0118% | 2,829 |
| Noninterest income to average assets | 0.3530% | 5,315 |
| Noninterest expense to average assets | 2.8591% | 4,232 |
| Loan and lease loss provision to assets | 0.1196% | 5,392 |
| Net operating income to assets | 0.5470% | 4,151 |
| Return on assets (ROA) | 0.5470% | 4,285 |
| Pretax return on assets | 0.9012% | 3,465 |
| Return on Equity (ROE) | 5.2706% | 4,223 |
| Retained earnings to average equity (ytd only) | 5.2706% | 3,000 |
| Net charge-offs to loans | 0.0547% | 4,856 |
| Credit loss provision to net charge-offs | 302.9412% | 1,299 |
| Earnings coverage of net charge-offs (x) | 25.8529% | 973 |
| Efficiency ratio | 73.6905% | 3,623 |
| Assets per employee ($millions) | 6.2163% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3688% | 596 |
| Loan loss allowance to noncurrent loans | 97.3748% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 2.3854% | 3,043 |
| Noncurrent loans to loans | 3.4596% | 2,304 |
| Net loans and leases to total assets | 66.6280% | 3,715 |
| Net loans and leases to deposits | 74.6320% | 4,652 |
| Net loans and leases to core deposits | 78.0049% | 5,018 |
| Total domestic deposits to total assets | 89.2754% | 1,381 |
| Equity capital to assets | 10.3546% | 3,404 |
| Core capital (leverage) ratio | 10.3178% | 2,794 |
| Tier 1 risk-based capital ratio | 12.8604% | 4,429 |
| Total risk-based capital ratio | 14.1331% | 4,392 |
| Memoranda: | ||
| Average total assets | $344,440,000 | 1,991 |
| Average earning assets | $302,808,000 | 2,064 |
| Average equity | $35,745,500 | 1,884 |
| Average total loans | $248,467,000 | 1,876 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3394% | 4,986 |
| Cost of funding earning assets | 0.9732% | 7,255 |
| Net interest margin | 4.3663% | 1,529 |
| Noninterest income to average assets | 0.3856% | 5,330 |
| Noninterest expense to average assets | 2.7908% | 5,012 |
| Loan and lease loss provision to assets | 0.9663% | 2,337 |
| Net operating income to assets | 0.3199% | 4,453 |
| Return on assets (ROA) | 0.3199% | 4,540 |
| Pretax return on assets | 0.5156% | 4,141 |
| Return on Equity (ROE) | 2.9679% | 4,513 |
| Retained earnings to average equity (ytd only) | 2.9679% | 3,088 |
| Net charge-offs to loans | 0.9578% | 2,485 |
| Credit loss provision to net charge-offs | 127.3585% | 4,069 |
| Earnings coverage of net charge-offs (x) | 1.9532% | 4,260 |
| Efficiency ratio | 65.3168% | 5,532 |
| Assets per employee ($millions) | 6.0851% | 1,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1206% | 697 |
| Loan loss allowance to noncurrent loans | 91.1955% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 2.5798% | 2,717 |
| Noncurrent loans to loans | 3.4219% | 2,230 |
| Net loans and leases to total assets | 73.0383% | 2,504 |
| Net loans and leases to deposits | 81.8294% | 3,645 |
| Net loans and leases to core deposits | 90.1798% | 5,110 |
| Total domestic deposits to total assets | 89.2568% | 1,350 |
| Equity capital to assets | 10.4016% | 3,283 |
| Core capital (leverage) ratio | 10.4805% | 2,631 |
| Tier 1 risk-based capital ratio | 12.3391% | 4,647 |
| Total risk-based capital ratio | 13.6080% | 4,596 |
| Memoranda: | ||
| Average total assets | $321,345,000 | 2,108 |
| Average earning assets | $286,078,200 | 2,152 |
| Average equity | $34,637,200 | 1,940 |
| Average total loans | $254,543,600 | 1,868 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3654% | 5,111 |
| Cost of funding earning assets | 0.9961% | 7,393 |
| Net interest margin | 4.3693% | 1,532 |
| Noninterest income to average assets | 0.3926% | 5,358 |
| Noninterest expense to average assets | 2.7577% | 5,075 |
| Loan and lease loss provision to assets | 1.0262% | 1,871 |
| Net operating income to assets | 0.3185% | 4,728 |
| Return on assets (ROA) | 0.3185% | 4,834 |
| Pretax return on assets | 0.5114% | 4,485 |
| Return on Equity (ROE) | 2.9271% | 4,821 |
| Retained earnings to average equity (ytd only) | 2.9271% | 3,682 |
| Net charge-offs to loans | 0.9844% | 1,999 |
| Credit loss provision to net charge-offs | 129.9200% | 3,857 |
| Earnings coverage of net charge-offs (x) | 1.9467% | 4,354 |
| Efficiency ratio | 64.2016% | 5,707 |
| Assets per employee ($millions) | 5.9597% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0684% | 637 |
| Loan loss allowance to noncurrent loans | 86.0827% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 2.8037% | 2,478 |
| Noncurrent loans to loans | 3.5645% | 2,100 |
| Net loans and leases to total assets | 76.2420% | 1,944 |
| Net loans and leases to deposits | 85.8192% | 3,350 |
| Net loans and leases to core deposits | 95.3185% | 4,894 |
| Total domestic deposits to total assets | 88.8402% | 1,272 |
| Equity capital to assets | 10.7614% | 3,236 |
| Core capital (leverage) ratio | 10.4976% | 2,795 |
| Tier 1 risk-based capital ratio | 12.3025% | 4,705 |
| Total risk-based capital ratio | 13.5711% | 4,633 |
| Memoranda: | ||
| Average total assets | $316,490,000 | 2,140 |
| Average earning assets | $282,691,000 | 2,182 |
| Average equity | $34,435,250 | 1,975 |
| Average total loans | $253,953,000 | 1,896 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3428% | 5,431 |
| Cost of funding earning assets | 1.0094% | 7,536 |
| Net interest margin | 4.3334% | 1,564 |
| Noninterest income to average assets | 0.3972% | 5,317 |
| Noninterest expense to average assets | 2.8894% | 4,541 |
| Loan and lease loss provision to assets | 0.6747% | 2,407 |
| Net operating income to assets | 0.4298% | 4,380 |
| Return on assets (ROA) | 0.4298% | 4,494 |
| Pretax return on assets | 0.7016% | 3,984 |
| Return on Equity (ROE) | 3.9349% | 4,520 |
| Retained earnings to average equity (ytd only) | 3.9349% | 3,089 |
| Net charge-offs to loans | 0.5090% | 2,802 |
| Credit loss provision to net charge-offs | 164.0747% | 2,791 |
| Earnings coverage of net charge-offs (x) | 3.3468% | 3,471 |
| Efficiency ratio | 67.7361% | 5,204 |
| Assets per employee ($millions) | 6.0963% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9921% | 568 |
| Loan loss allowance to noncurrent loans | 227.2914% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 1.0374% | 4,895 |
| Noncurrent loans to loans | 1.3164% | 4,580 |
| Net loans and leases to total assets | 76.4444% | 2,069 |
| Net loans and leases to deposits | 85.8062% | 3,580 |
| Net loans and leases to core deposits | 95.1883% | 4,990 |
| Total domestic deposits to total assets | 89.0896% | 1,225 |
| Equity capital to assets | 10.4778% | 3,428 |
| Core capital (leverage) ratio | 10.8140% | 2,556 |
| Tier 1 risk-based capital ratio | 11.8302% | 5,072 |
| Total risk-based capital ratio | 13.0977% | 4,970 |
| Memoranda: | ||
| Average total assets | $312,725,330 | 2,183 |
| Average earning assets | $279,180,000 | 2,228 |
| Average equity | $34,155,670 | 1,984 |
| Average total loans | $252,664,000 | 1,933 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3464% | 5,677 |
| Cost of funding earning assets | 1.0303% | 7,624 |
| Net interest margin | 4.3160% | 1,559 |
| Noninterest income to average assets | 0.3902% | 5,297 |
| Noninterest expense to average assets | 2.9124% | 4,119 |
| Loan and lease loss provision to assets | 0.6148% | 2,050 |
| Net operating income to assets | 0.4545% | 4,635 |
| Return on assets (ROA) | 0.4545% | 4,808 |
| Pretax return on assets | 0.7370% | 4,298 |
| Return on Equity (ROE) | 4.0721% | 4,896 |
| Retained earnings to average equity (ytd only) | 4.0721% | 3,632 |
| Net charge-offs to loans | 0.3321% | 2,769 |
| Credit loss provision to net charge-offs | 226.0870% | 2,019 |
| Earnings coverage of net charge-offs (x) | 4.9710% | 2,784 |
| Efficiency ratio | 68.2994% | 4,910 |
| Assets per employee ($millions) | 5.6496% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0332% | 464 |
| Loan loss allowance to noncurrent loans | 138.0806% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 1.7739% | 3,258 |
| Noncurrent loans to loans | 2.1967% | 2,983 |
| Net loans and leases to total assets | 78.3050% | 1,746 |
| Net loans and leases to deposits | 88.4891% | 3,199 |
| Net loans and leases to core deposits | 95.8639% | 4,983 |
| Total domestic deposits to total assets | 88.4911% | 1,494 |
| Equity capital to assets | 10.9946% | 2,964 |
| Core capital (leverage) ratio | 11.1580% | 2,372 |
| Tier 1 risk-based capital ratio | 12.1186% | 4,852 |
| Total risk-based capital ratio | 13.3856% | 4,737 |
| Memoranda: | ||
| Average total assets | $304,488,000 | 2,240 |
| Average earning assets | $273,307,500 | 2,273 |
| Average equity | $33,987,000 | 2,006 |
| Average total loans | $249,287,500 | 1,970 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9171% | 5,955 |
| Cost of funding earning assets | 1.4455% | 7,688 |
| Net interest margin | 4.4716% | 1,486 |
| Noninterest income to average assets | 0.3950% | 5,513 |
| Noninterest expense to average assets | 2.7854% | 4,884 |
| Loan and lease loss provision to assets | 2.4815% | 424 |
| Net operating income to assets | -0.3393% | 6,762 |
| Return on assets (ROA) | -0.3393% | 6,638 |
| Pretax return on assets | -0.7545% | 6,853 |
| Return on Equity (ROE) | -2.8488% | 6,599 |
| Retained earnings to average equity (ytd only) | -2.8488% | 6,067 |
| Net charge-offs to loans | 1.2448% | 966 |
| Credit loss provision to net charge-offs | 240.3463% | 1,947 |
| Earnings coverage of net charge-offs (x) | 1.6727% | 5,250 |
| Efficiency ratio | 61.7282% | 6,003 |
| Assets per employee ($millions) | 5.3259% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9679% | 448 |
| Loan loss allowance to noncurrent loans | 128.0711% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 1.9242% | 2,552 |
| Noncurrent loans to loans | 2.3174% | 2,386 |
| Net loans and leases to total assets | 80.5700% | 1,531 |
| Net loans and leases to deposits | 91.3213% | 3,242 |
| Net loans and leases to core deposits | 99.5328% | 4,868 |
| Total domestic deposits to total assets | 88.2270% | 1,370 |
| Equity capital to assets | 11.3365% | 2,762 |
| Core capital (leverage) ratio | 11.1377% | 2,475 |
| Tier 1 risk-based capital ratio | 12.1542% | 4,706 |
| Total risk-based capital ratio | 13.4127% | 4,586 |
| Memoranda: | ||
| Average total assets | $296,471,000 | 2,223 |
| Average earning assets | $272,990,400 | 2,212 |
| Average equity | $35,312,600 | 1,913 |
| Average total loans | $245,902,600 | 1,934 |