Home > Larimer Bank of Commerce > Performance and Condition Ratios
Larimer Bank of Commerce, Performance and Condition Ratios
| 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 | 5.9134% | 1,015 |
| Cost of funding earning assets | 1.9417% | 737 |
| Net interest margin | 3.9717% | 3,137 |
| Noninterest income to average assets | 0.1039% | 6,880 |
| Noninterest expense to average assets | 1.7270% | 7,329 |
| Loan and lease loss provision to assets | 0.7410% | 2,213 |
| Net operating income to assets | 0.9096% | 2,343 |
| Return on assets (ROA) | 0.9096% | 2,485 |
| Pretax return on assets | 1.4482% | 1,515 |
| Return on Equity (ROE) | 10.3264% | 1,809 |
| Retained earnings to average equity (ytd only) | 10.3264% | 462 |
| Net charge-offs to loans | 0.8689% | 2,455 |
| Credit loss provision to net charge-offs | 96.8144% | 4,796 |
| Earnings coverage of net charge-offs (x) | 2.8601% | 3,645 |
| Efficiency ratio | 44.0985% | 7,417 |
| Assets per employee ($millions) | 12.1476% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6627% | 3,346 |
| Loan loss allowance to noncurrent loans | 69.3231% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 2.9625% | 2,378 |
| Noncurrent loans to loans | 2.3985% | 3,121 |
| Net loans and leases to total assets | 87.8793% | 103 |
| Net loans and leases to deposits | 99.9883% | 578 |
| Net loans and leases to core deposits | 132.2934% | 303 |
| Total domestic deposits to total assets | 87.8896% | 2,315 |
| Equity capital to assets | 9.0481% | 5,074 |
| Core capital (leverage) ratio | 8.8727% | 4,745 |
| Tier 1 risk-based capital ratio | 10.7908% | 6,497 |
| Total risk-based capital ratio | 12.0475% | 6,453 |
| Memoranda: | ||
| Average total assets | $94,326,600 | 5,151 |
| Average earning assets | $90,540,400 | 4,999 |
| Average equity | $8,308,800 | 5,615 |
| Average total loans | $83,090,600 | 4,241 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9204% | 1,081 |
| Cost of funding earning assets | 1.9962% | 760 |
| Net interest margin | 3.9242% | 3,431 |
| Noninterest income to average assets | 0.1182% | 6,958 |
| Noninterest expense to average assets | 1.5738% | 7,518 |
| Loan and lease loss provision to assets | 0.9528% | 1,569 |
| Net operating income to assets | 0.8560% | 2,792 |
| Return on assets (ROA) | 0.8560% | 2,923 |
| Pretax return on assets | 1.3602% | 2,005 |
| Return on Equity (ROE) | 9.7867% | 2,210 |
| Retained earnings to average equity (ytd only) | 9.7867% | 847 |
| Net charge-offs to loans | 0.5129% | 3,238 |
| Credit loss provision to net charge-offs | 211.7089% | 1,658 |
| Earnings coverage of net charge-offs (x) | 5.1393% | 2,834 |
| Efficiency ratio | 40.4910% | 7,569 |
| Assets per employee ($millions) | 14.0073% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1585% | 1,875 |
| Loan loss allowance to noncurrent loans | 153.0698% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 1.2126% | 4,721 |
| Noncurrent loans to loans | 1.4102% | 4,501 |
| Net loans and leases to total assets | 84.1358% | 322 |
| Net loans and leases to deposits | 98.6039% | 757 |
| Net loans and leases to core deposits | 131.7785% | 353 |
| Total domestic deposits to total assets | 85.3270% | 3,449 |
| Equity capital to assets | 8.7057% | 5,996 |
| Core capital (leverage) ratio | 8.9438% | 4,773 |
| Tier 1 risk-based capital ratio | 11.0670% | 6,320 |
| Total risk-based capital ratio | 12.3311% | 6,298 |
| Memoranda: | ||
| Average total assets | $93,613,000 | 5,229 |
| Average earning assets | $89,901,000 | 5,072 |
| Average equity | $8,187,750 | 5,734 |
| Average total loans | $82,151,750 | 4,343 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9739% | 1,008 |
| Cost of funding earning assets | 2.0958% | 665 |
| Net interest margin | 3.8781% | 3,548 |
| Noninterest income to average assets | 0.1541% | 6,784 |
| Noninterest expense to average assets | 1.6368% | 7,543 |
| Loan and lease loss provision to assets | 1.0246% | 1,423 |
| Net operating income to assets | 0.7706% | 3,107 |
| Return on assets (ROA) | 0.7706% | 3,257 |
| Pretax return on assets | 1.2243% | 2,336 |
| Return on Equity (ROE) | 8.7962% | 2,553 |
| Retained earnings to average equity (ytd only) | 8.7962% | 1,180 |
| Net charge-offs to loans | 0.6238% | 2,667 |
| Credit loss provision to net charge-offs | 185.8268% | 2,120 |
| Earnings coverage of net charge-offs (x) | 4.0787% | 3,063 |
| Efficiency ratio | 42.1229% | 7,586 |
| Assets per employee ($millions) | 13.4774% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0316% | 2,112 |
| Loan loss allowance to noncurrent loans | 169.6878% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 1.0526% | 5,034 |
| Noncurrent loans to loans | 1.1973% | 4,967 |
| Net loans and leases to total assets | 86.1271% | 224 |
| Net loans and leases to deposits | 101.4407% | 627 |
| Net loans and leases to core deposits | 134.2043% | 359 |
| Total domestic deposits to total assets | 84.9039% | 3,685 |
| Equity capital to assets | 8.7872% | 5,771 |
| Core capital (leverage) ratio | 8.8083% | 4,899 |
| Tier 1 risk-based capital ratio | 10.9761% | 6,259 |
| Total risk-based capital ratio | 12.2378% | 6,237 |
| Memoranda: | ||
| Average total assets | $92,133,670 | 5,310 |
| Average earning assets | $88,651,670 | 5,148 |
| Average equity | $8,071,670 | 5,776 |
| Average total loans | $81,430,330 | 4,402 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0411% | 901 |
| Cost of funding earning assets | 2.1901% | 605 |
| Net interest margin | 3.8510% | 3,560 |
| Noninterest income to average assets | 0.0308% | 7,556 |
| Noninterest expense to average assets | 1.7005% | 7,578 |
| Loan and lease loss provision to assets | 1.6566% | 695 |
| Net operating income to assets | 0.2417% | 5,535 |
| Return on assets (ROA) | 0.2417% | 5,653 |
| Pretax return on assets | 0.3823% | 5,350 |
| Return on Equity (ROE) | 2.7630% | 5,449 |
| Retained earnings to average equity (ytd only) | 2.7630% | 4,479 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4759% | 7,569 |
| Assets per employee ($millions) | 13.1774% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2457% | 1,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 87.0200% | 165 |
| Net loans and leases to deposits | 105.4077% | 458 |
| Net loans and leases to core deposits | 130.5251% | 479 |
| Total domestic deposits to total assets | 82.5557% | 4,825 |
| Equity capital to assets | 8.6620% | 5,789 |
| Core capital (leverage) ratio | 8.7105% | 5,009 |
| Tier 1 risk-based capital ratio | 10.7987% | 6,344 |
| Total risk-based capital ratio | 12.0642% | 6,310 |
| Memoranda: | ||
| Average total assets | $91,029,500 | 5,422 |
| Average earning assets | $87,666,500 | 5,250 |
| Average equity | $7,962,500 | 5,861 |
| Average total loans | $80,676,000 | 4,482 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1206% | 1,466 |
| Cost of funding earning assets | 2.9469% | 266 |
| Net interest margin | 3.1737% | 6,177 |
| Noninterest income to average assets | 0.0784% | 7,358 |
| Noninterest expense to average assets | 1.6114% | 7,761 |
| Loan and lease loss provision to assets | 1.4288% | 1,607 |
| Net operating income to assets | 0.0628% | 5,310 |
| Return on assets (ROA) | 0.0628% | 5,359 |
| Pretax return on assets | 0.0964% | 5,231 |
| Return on Equity (ROE) | 0.6984% | 5,330 |
| Retained earnings to average equity (ytd only) | 0.6984% | 4,517 |
| Net charge-offs to loans | 1.2190% | 2,020 |
| Credit loss provision to net charge-offs | 131.7149% | 3,830 |
| Earnings coverage of net charge-offs (x) | 1.4060% | 4,720 |
| Efficiency ratio | 51.3755% | 7,443 |
| Assets per employee ($millions) | 12.8310% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8514% | 2,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 86.5894% | 243 |
| Net loans and leases to deposits | 111.3845% | 335 |
| Net loans and leases to core deposits | 116.7818% | 2,238 |
| Total domestic deposits to total assets | 77.7392% | 6,289 |
| Equity capital to assets | 8.8346% | 5,373 |
| Core capital (leverage) ratio | 8.6984% | 4,925 |
| Tier 1 risk-based capital ratio | 10.9584% | 5,954 |
| Total risk-based capital ratio | 12.2183% | 5,914 |
| Memoranda: | ||
| Average total assets | $89,237,600 | 5,415 |
| Average earning assets | $85,988,800 | 5,262 |
| Average equity | $8,018,400 | 5,913 |
| Average total loans | $79,412,000 | 4,537 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1529% | 1,487 |
| Cost of funding earning assets | 3.0570% | 275 |
| Net interest margin | 3.0958% | 6,323 |
| Noninterest income to average assets | 0.0958% | 7,423 |
| Noninterest expense to average assets | 1.6162% | 7,818 |
| Loan and lease loss provision to assets | 0.6884% | 2,675 |
| Net operating income to assets | 0.4879% | 4,036 |
| Return on assets (ROA) | 0.4879% | 4,132 |
| Pretax return on assets | 0.7767% | 3,606 |
| Return on Equity (ROE) | 5.4067% | 3,787 |
| Retained earnings to average equity (ytd only) | 5.4067% | 2,252 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4526% | 7,379 |
| Assets per employee ($millions) | 12.8781% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0409% | 1,705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 86.2558% | 328 |
| Net loans and leases to deposits | 113.7497% | 337 |
| Net loans and leases to core deposits | 117.0546% | 2,521 |
| Total domestic deposits to total assets | 75.8295% | 6,613 |
| Equity capital to assets | 9.1018% | 5,334 |
| Core capital (leverage) ratio | 9.1146% | 4,465 |
| Tier 1 risk-based capital ratio | 11.4638% | 5,467 |
| Total risk-based capital ratio | 12.7269% | 5,395 |
| Memoranda: | ||
| Average total assets | $89,092,750 | 5,453 |
| Average earning assets | $85,919,500 | 5,305 |
| Average equity | $8,039,250 | 5,969 |
| Average total loans | $79,455,250 | 4,562 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1047% | 1,778 |
| Cost of funding earning assets | 3.1378% | 312 |
| Net interest margin | 2.9669% | 6,639 |
| Noninterest income to average assets | 0.0158% | 7,887 |
| Noninterest expense to average assets | 1.6700% | 7,862 |
| Loan and lease loss provision to assets | 0.5409% | 2,867 |
| Net operating income to assets | 0.4124% | 4,461 |
| Return on assets (ROA) | 0.4124% | 4,567 |
| Pretax return on assets | 0.6603% | 4,130 |
| Return on Equity (ROE) | 4.5842% | 4,266 |
| Retained earnings to average equity (ytd only) | 4.5842% | 2,744 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1633% | 6,840 |
| Assets per employee ($millions) | 14.9350% | 105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7491% | 2,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 87.7581% | 251 |
| Net loans and leases to deposits | 115.7713% | 336 |
| Net loans and leases to core deposits | 118.2450% | 2,527 |
| Total domestic deposits to total assets | 75.8029% | 6,594 |
| Equity capital to assets | 8.9968% | 5,323 |
| Core capital (leverage) ratio | 9.1877% | 4,320 |
| Tier 1 risk-based capital ratio | 11.0786% | 5,800 |
| Total risk-based capital ratio | 12.3373% | 5,709 |
| Memoranda: | ||
| Average total assets | $88,741,330 | 5,503 |
| Average earning assets | $85,409,670 | 5,361 |
| Average equity | $7,984,000 | 6,030 |
| Average total loans | $79,481,330 | 4,603 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0509% | 2,147 |
| Cost of funding earning assets | 3.2400% | 307 |
| Net interest margin | 2.8108% | 6,970 |
| Noninterest income to average assets | 0.0091% | 8,020 |
| Noninterest expense to average assets | 1.4359% | 8,026 |
| Loan and lease loss provision to assets | 0.3171% | 3,436 |
| Net operating income to assets | 0.5979% | 4,020 |
| Return on assets (ROA) | 0.5979% | 4,217 |
| Pretax return on assets | 0.9558% | 3,513 |
| Return on Equity (ROE) | 6.6457% | 3,752 |
| Retained earnings to average equity (ytd only) | 6.6457% | 2,354 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0100% | 7,316 |
| Assets per employee ($millions) | 12.5514% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5420% | 2,753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 89.3877% | 168 |
| Net loans and leases to deposits | 122.3493% | 246 |
| Net loans and leases to core deposits | 124.3150% | 2,060 |
| Total domestic deposits to total assets | 73.0594% | 7,040 |
| Equity capital to assets | 9.1179% | 5,203 |
| Core capital (leverage) ratio | 9.1908% | 4,418 |
| Tier 1 risk-based capital ratio | 11.0353% | 5,879 |
| Total risk-based capital ratio | 12.2903% | 5,778 |
| Memoranda: | ||
| Average total assets | $88,307,000 | 5,547 |
| Average earning assets | $84,814,500 | 5,405 |
| Average equity | $7,945,000 | 6,080 |
| Average total loans | $79,202,000 | 4,635 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6519% | 2,236 |
| Cost of funding earning assets | 3.6141% | 368 |
| Net interest margin | 3.0378% | 6,816 |
| Noninterest income to average assets | 0.0126% | 8,057 |
| Noninterest expense to average assets | 1.3376% | 8,102 |
| Loan and lease loss provision to assets | 0.5527% | 2,610 |
| Net operating income to assets | 0.6506% | 4,105 |
| Return on assets (ROA) | 0.6506% | 3,955 |
| Pretax return on assets | 1.0353% | 3,257 |
| Return on Equity (ROE) | 6.1097% | 3,898 |
| Retained earnings to average equity (ytd only) | 6.1097% | 1,481 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7198% | 7,943 |
| Assets per employee ($millions) | 12.6791% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4751% | 2,803 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 87.2952% | 438 |
| Net loans and leases to deposits | 128.4301% | 234 |
| Net loans and leases to core deposits | 130.6147% | 1,811 |
| Total domestic deposits to total assets | 67.9710% | 7,473 |
| Equity capital to assets | 8.8773% | 5,532 |
| Core capital (leverage) ratio | 8.9547% | 4,800 |
| Tier 1 risk-based capital ratio | 9.8278% | 6,922 |
| Total risk-based capital ratio | 11.0813% | 6,807 |
| Memoranda: | ||
| Average total assets | $71,473,800 | 5,985 |
| Average earning assets | $68,536,600 | 5,868 |
| Average equity | $7,610,800 | 6,237 |
| Average total loans | $65,714,000 | 5,034 |