Home > First Commerce Community Bank > Performance and Condition Ratios
First Commerce Community Bank, Performance and Condition Ratios
| 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 | 4.4307% | 6,837 |
| Cost of funding earning assets | 3.3119% | 19 |
| Net interest margin | 1.1188% | 7,774 |
| Noninterest income to average assets | -0.0108% | 7,551 |
| Noninterest expense to average assets | 3.6283% | 1,710 |
| Loan and lease loss provision to assets | 5.9507% | 74 |
| Net operating income to assets | -8.7346% | 7,798 |
| Return on assets (ROA) | -8.7029% | 7,796 |
| Pretax return on assets | -8.7029% | 7,796 |
| Return on Equity (ROE) | -222.0559% | 7,807 |
| Retained earnings to average equity (ytd only) | -222.0559% | 7,807 |
| Net charge-offs to loans | 6.7121% | 100 |
| Credit loss provision to net charge-offs | 142.0936% | 2,801 |
| Earnings coverage of net charge-offs (x) | -0.6648% | 6,064 |
| Efficiency ratio | 429.7075% | 16 |
| Assets per employee ($millions) | 8.8625% | 356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1421% | 158 |
| Loan loss allowance to noncurrent loans | 21.3030% | 6,879 |
| Noncurrent assets plus other real estate owned to assets | 37.9269% | 2 |
| Noncurrent loans to loans | 24.1378% | 36 |
| Net loans and leases to total assets | 55.7399% | 5,742 |
| Net loans and leases to deposits | 56.9610% | 6,659 |
| Net loans and leases to core deposits | 65.6866% | 6,271 |
| Total domestic deposits to total assets | 97.8561% | 8 |
| Equity capital to assets | 1.5990% | 7,803 |
| Core capital (leverage) ratio | 1.4058% | 7,799 |
| Tier 1 risk-based capital ratio | 1.7991% | 7,804 |
| Total risk-based capital ratio | 3.0827% | 7,803 |
| Memoranda: | ||
| Average total assets | $259,131,000 | 2,516 |
| Average earning assets | $198,073,330 | 2,974 |
| Average equity | $10,156,000 | 5,154 |
| Average total loans | $161,678,670 | 2,669 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1685% | 7,295 |
| Cost of funding earning assets | 3.3294% | 24 |
| Net interest margin | 0.8391% | 7,888 |
| Noninterest income to average assets | -0.1602% | 7,786 |
| Noninterest expense to average assets | 2.3566% | 6,221 |
| Loan and lease loss provision to assets | 1.9651% | 565 |
| Net operating income to assets | -3.8243% | 7,708 |
| Return on assets (ROA) | -3.8243% | 7,710 |
| Pretax return on assets | -3.8243% | 7,677 |
| Return on Equity (ROE) | -76.3774% | 7,783 |
| Retained earnings to average equity (ytd only) | -76.3774% | 7,778 |
| Net charge-offs to loans | 2.1508% | 791 |
| Credit loss provision to net charge-offs | 142.5439% | 2,499 |
| Earnings coverage of net charge-offs (x) | -1.3487% | 5,419 |
| Efficiency ratio | 473.8602% | 19 |
| Assets per employee ($millions) | 9.3519% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4596% | 564 |
| Loan loss allowance to noncurrent loans | 11.1732% | 7,311 |
| Noncurrent assets plus other real estate owned to assets | 38.5221% | 3 |
| Noncurrent loans to loans | 30.9637% | 18 |
| Net loans and leases to total assets | 59.6883% | 5,171 |
| Net loans and leases to deposits | 62.9544% | 6,177 |
| Net loans and leases to core deposits | 74.2008% | 5,487 |
| Total domestic deposits to total assets | 94.8120% | 51 |
| Equity capital to assets | 4.6561% | 7,747 |
| Core capital (leverage) ratio | 4.6809% | 7,727 |
| Tier 1 risk-based capital ratio | 5.7756% | 7,757 |
| Total risk-based capital ratio | 7.0406% | 7,760 |
| Memoranda: | ||
| Average total assets | $264,621,000 | 2,521 |
| Average earning assets | $207,366,500 | 2,909 |
| Average equity | $13,250,000 | 4,421 |
| Average total loans | $169,609,500 | 2,617 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4505% | 7,432 |
| Cost of funding earning assets | 3.7798% | 16 |
| Net interest margin | 0.6708% | 7,953 |
| Noninterest income to average assets | -0.0257% | 7,742 |
| Noninterest expense to average assets | 2.6182% | 5,719 |
| Loan and lease loss provision to assets | 2.1227% | 995 |
| Net operating income to assets | -3.5535% | 7,520 |
| Return on assets (ROA) | -3.3794% | 7,481 |
| Pretax return on assets | -3.9944% | 7,520 |
| Return on Equity (ROE) | -44.9193% | 7,627 |
| Retained earnings to average equity (ytd only) | -44.9193% | 7,616 |
| Net charge-offs to loans | 3.9990% | 415 |
| Credit loss provision to net charge-offs | 73.9537% | 6,418 |
| Earnings coverage of net charge-offs (x) | -0.7235% | 6,818 |
| Efficiency ratio | 483.3663% | 32 |
| Assets per employee ($millions) | 9.2203% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9398% | 813 |
| Loan loss allowance to noncurrent loans | 9.6332% | 7,371 |
| Noncurrent assets plus other real estate owned to assets | 34.6916% | 5 |
| Noncurrent loans to loans | 30.5178% | 18 |
| Net loans and leases to total assets | 64.3667% | 4,521 |
| Net loans and leases to deposits | 68.3516% | 5,785 |
| Net loans and leases to core deposits | 92.9656% | 4,783 |
| Total domestic deposits to total assets | 94.1699% | 67 |
| Equity capital to assets | 5.3510% | 7,752 |
| Core capital (leverage) ratio | 5.5774% | 7,698 |
| Tier 1 risk-based capital ratio | 6.7094% | 7,777 |
| Total risk-based capital ratio | 7.9753% | 7,778 |
| Memoranda: | ||
| Average total assets | $279,694,000 | 2,352 |
| Average earning assets | $236,600,000 | 2,537 |
| Average equity | $21,042,200 | 3,068 |
| Average total loans | $200,751,800 | 2,293 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5800% | 7,436 |
| Cost of funding earning assets | 3.8403% | 16 |
| Net interest margin | 0.7398% | 8,040 |
| Noninterest income to average assets | -0.0368% | 7,884 |
| Noninterest expense to average assets | 2.2982% | 6,715 |
| Loan and lease loss provision to assets | 1.3848% | 1,389 |
| Net operating income to assets | -1.9142% | 7,282 |
| Return on assets (ROA) | -1.7413% | 7,214 |
| Pretax return on assets | -2.8159% | 7,453 |
| Return on Equity (ROE) | -21.6665% | 7,433 |
| Retained earnings to average equity (ytd only) | -21.6665% | 7,400 |
| Net charge-offs to loans | 3.2621% | 493 |
| Credit loss provision to net charge-offs | 58.1009% | 6,201 |
| Earnings coverage of net charge-offs (x) | -0.7137% | 6,567 |
| Efficiency ratio | 384.9921% | 43 |
| Assets per employee ($millions) | 8.2004% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6861% | 893 |
| Loan loss allowance to noncurrent loans | 9.0809% | 7,468 |
| Noncurrent assets plus other real estate owned to assets | 32.3468% | 4 |
| Noncurrent loans to loans | 29.5799% | 19 |
| Net loans and leases to total assets | 69.4277% | 3,627 |
| Net loans and leases to deposits | 75.6447% | 5,101 |
| Net loans and leases to core deposits | 96.6600% | 4,741 |
| Total domestic deposits to total assets | 91.7813% | 208 |
| Equity capital to assets | 7.6097% | 7,214 |
| Core capital (leverage) ratio | 6.5801% | 7,638 |
| Tier 1 risk-based capital ratio | 7.7219% | 7,832 |
| Total risk-based capital ratio | 8.9883% | 7,837 |
| Memoranda: | ||
| Average total assets | $282,770,000 | 2,342 |
| Average earning assets | $242,234,500 | 2,494 |
| Average equity | $22,725,750 | 2,883 |
| Average total loans | $206,609,000 | 2,255 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6954% | 7,397 |
| Cost of funding earning assets | 3.8955% | 28 |
| Net interest margin | 0.7999% | 8,119 |
| Noninterest income to average assets | -0.0091% | 7,979 |
| Noninterest expense to average assets | 2.2767% | 6,830 |
| Loan and lease loss provision to assets | 0.4651% | 3,197 |
| Net operating income to assets | -1.2755% | 7,147 |
| Return on assets (ROA) | -1.1220% | 7,071 |
| Pretax return on assets | -1.8192% | 7,222 |
| Return on Equity (ROE) | -13.7306% | 7,264 |
| Retained earnings to average equity (ytd only) | -13.7306% | 7,164 |
| Net charge-offs to loans | 3.3999% | 465 |
| Credit loss provision to net charge-offs | 18.5846% | 6,141 |
| Earnings coverage of net charge-offs (x) | -0.6369% | 6,134 |
| Efficiency ratio | 333.5036% | 70 |
| Assets per employee ($millions) | 8.1198% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1544% | 1,308 |
| Loan loss allowance to noncurrent loans | 8.8561% | 7,514 |
| Noncurrent assets plus other real estate owned to assets | 26.5778% | 19 |
| Noncurrent loans to loans | 24.3273% | 30 |
| Net loans and leases to total assets | 72.0866% | 3,203 |
| Net loans and leases to deposits | 78.9933% | 4,702 |
| Net loans and leases to core deposits | 96.6993% | 4,823 |
| Total domestic deposits to total assets | 91.2566% | 389 |
| Equity capital to assets | 8.2160% | 6,470 |
| Core capital (leverage) ratio | 7.5696% | 6,936 |
| Tier 1 risk-based capital ratio | 8.9778% | 7,709 |
| Total risk-based capital ratio | 10.2332% | 7,728 |
| Memoranda: | ||
| Average total assets | $286,822,000 | 2,340 |
| Average earning assets | $248,027,670 | 2,455 |
| Average equity | $23,436,670 | 2,819 |
| Average total loans | $211,123,000 | 2,236 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0651% | 6,751 |
| Cost of funding earning assets | 3.9432% | 33 |
| Net interest margin | 1.1219% | 8,146 |
| Noninterest income to average assets | 0.0507% | 7,825 |
| Noninterest expense to average assets | 2.0657% | 7,199 |
| Loan and lease loss provision to assets | 0.3765% | 3,068 |
| Net operating income to assets | -0.8725% | 7,168 |
| Return on assets (ROA) | -0.8173% | 7,171 |
| Pretax return on assets | -1.3292% | 7,314 |
| Return on Equity (ROE) | -10.0277% | 7,367 |
| Retained earnings to average equity (ytd only) | -10.0277% | 7,115 |
| Net charge-offs to loans | 4.3444% | 268 |
| Credit loss provision to net charge-offs | 11.7773% | 5,174 |
| Earnings coverage of net charge-offs (x) | -0.3251% | 5,193 |
| Efficiency ratio | 201.2000% | 185 |
| Assets per employee ($millions) | 8.4919% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4779% | 783 |
| Loan loss allowance to noncurrent loans | 15.9479% | 7,364 |
| Noncurrent assets plus other real estate owned to assets | 19.2442% | 39 |
| Noncurrent loans to loans | 15.5373% | 88 |
| Net loans and leases to total assets | 71.4827% | 3,360 |
| Net loans and leases to deposits | 78.1575% | 4,900 |
| Net loans and leases to core deposits | 94.4101% | 5,123 |
| Total domestic deposits to total assets | 91.4597% | 285 |
| Equity capital to assets | 8.1184% | 6,651 |
| Core capital (leverage) ratio | 7.7139% | 6,871 |
| Tier 1 risk-based capital ratio | 9.1469% | 7,708 |
| Total risk-based capital ratio | 10.4075% | 7,701 |
| Memoranda: | ||
| Average total assets | $292,197,000 | 2,320 |
| Average earning assets | $254,211,500 | 2,413 |
| Average equity | $23,814,000 | 2,792 |
| Average total loans | $214,988,000 | 2,219 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3961% | 3,438 |
| Cost of funding earning assets | 4.2382% | 40 |
| Net interest margin | 2.1579% | 7,982 |
| Noninterest income to average assets | 0.0593% | 7,850 |
| Noninterest expense to average assets | 1.8191% | 7,734 |
| Loan and lease loss provision to assets | 2.0256% | 589 |
| Net operating income to assets | -1.1195% | 7,299 |
| Return on assets (ROA) | -1.1066% | 7,233 |
| Pretax return on assets | -1.7901% | 7,372 |
| Return on Equity (ROE) | -13.4936% | 7,519 |
| Retained earnings to average equity (ytd only) | -13.4936% | 7,371 |
| Net charge-offs to loans | 1.3336% | 886 |
| Credit loss provision to net charge-offs | 187.0531% | 2,655 |
| Earnings coverage of net charge-offs (x) | 0.1987% | 6,121 |
| Efficiency ratio | 89.4223% | 1,565 |
| Assets per employee ($millions) | 8.6961% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3452% | 320 |
| Loan loss allowance to noncurrent loans | 28.9979% | 6,761 |
| Noncurrent assets plus other real estate owned to assets | 14.9414% | 60 |
| Noncurrent loans to loans | 11.5360% | 146 |
| Net loans and leases to total assets | 71.3770% | 3,715 |
| Net loans and leases to deposits | 78.0634% | 5,330 |
| Net loans and leases to core deposits | 93.7526% | 5,467 |
| Total domestic deposits to total assets | 91.4346% | 214 |
| Equity capital to assets | 8.1808% | 6,577 |
| Core capital (leverage) ratio | 8.2191% | 6,130 |
| Tier 1 risk-based capital ratio | 9.5910% | 7,217 |
| Total risk-based capital ratio | 10.8629% | 7,080 |
| Memoranda: | ||
| Average total assets | $286,736,600 | 2,275 |
| Average earning assets | $262,425,000 | 2,272 |
| Average equity | $23,514,800 | 2,787 |
| Average total loans | $232,827,200 | 2,028 |