Home > Loveland Bank of Commerce > Performance and Condition Ratios
Loveland 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 | 5.7818% | 1,326 |
| Cost of funding earning assets | 1.8577% | 974 |
| Net interest margin | 3.9241% | 3,377 |
| Noninterest income to average assets | 0.3621% | 5,211 |
| Noninterest expense to average assets | 2.8258% | 4,493 |
| Loan and lease loss provision to assets | 0.6826% | 2,415 |
| Net operating income to assets | 0.9419% | 2,234 |
| Return on assets (ROA) | 0.9419% | 2,358 |
| Pretax return on assets | 0.6263% | 4,237 |
| Return on Equity (ROE) | 6.0228% | 3,592 |
| Retained earnings to average equity (ytd only) | 6.0228% | 1,800 |
| Net charge-offs to loans | 0.8419% | 2,525 |
| Credit loss provision to net charge-offs | 94.5763% | 4,914 |
| Earnings coverage of net charge-offs (x) | 1.8136% | 4,362 |
| Efficiency ratio | 68.3432% | 4,494 |
| Assets per employee ($millions) | 8.5798% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4306% | 4,373 |
| Loan loss allowance to noncurrent loans | 77.7143% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.6317% | 3,859 |
| Noncurrent loans to loans | 1.8409% | 3,764 |
| Net loans and leases to total assets | 87.3703% | 120 |
| Net loans and leases to deposits | 103.5845% | 420 |
| Net loans and leases to core deposits | 123.2117% | 444 |
| Total domestic deposits to total assets | 84.3470% | 4,202 |
| Equity capital to assets | 15.4526% | 690 |
| Core capital (leverage) ratio | 16.3167% | 473 |
| Tier 1 risk-based capital ratio | 17.6397% | 2,114 |
| Total risk-based capital ratio | 18.8930% | 2,079 |
| Memoranda: | ||
| Average total assets | $40,872,800 | 6,830 |
| Average earning assets | $39,295,800 | 6,743 |
| Average equity | $6,392,400 | 6,236 |
| Average total loans | $35,039,800 | 6,152 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8439% | 1,273 |
| Cost of funding earning assets | 1.9824% | 793 |
| Net interest margin | 3.8615% | 3,699 |
| Noninterest income to average assets | 0.4195% | 4,803 |
| Noninterest expense to average assets | 2.6887% | 4,930 |
| Loan and lease loss provision to assets | 0.7894% | 1,931 |
| Net operating income to assets | 0.6474% | 3,659 |
| Return on assets (ROA) | 0.6474% | 3,822 |
| Pretax return on assets | 0.6474% | 4,433 |
| Return on Equity (ROE) | 4.1263% | 4,711 |
| Retained earnings to average equity (ytd only) | 4.1263% | 3,566 |
| Net charge-offs to loans | 0.4938% | 3,302 |
| Credit loss provision to net charge-offs | 188.1890% | 1,913 |
| Earnings coverage of net charge-offs (x) | 3.4252% | 3,458 |
| Efficiency ratio | 65.1721% | 5,023 |
| Assets per employee ($millions) | 6.7437% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9175% | 2,430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 84.9538% | 270 |
| Net loans and leases to deposits | 101.1982% | 573 |
| Net loans and leases to core deposits | 113.1952% | 878 |
| Total domestic deposits to total assets | 83.9479% | 4,160 |
| Equity capital to assets | 15.9162% | 695 |
| Core capital (leverage) ratio | 15.7777% | 596 |
| Tier 1 risk-based capital ratio | 19.0369% | 1,742 |
| Total risk-based capital ratio | 20.2962% | 1,701 |
| Memoranda: | ||
| Average total assets | $40,366,250 | 6,929 |
| Average earning assets | $38,740,500 | 6,843 |
| Average equity | $6,333,250 | 6,340 |
| Average total loans | $34,293,500 | 6,279 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8949% | 1,200 |
| Cost of funding earning assets | 2.0407% | 800 |
| Net interest margin | 3.8541% | 3,660 |
| Noninterest income to average assets | 0.3570% | 5,290 |
| Noninterest expense to average assets | 2.7966% | 4,496 |
| Loan and lease loss provision to assets | 0.6297% | 2,274 |
| Net operating income to assets | 0.6297% | 3,733 |
| Return on assets (ROA) | 0.6297% | 3,871 |
| Pretax return on assets | 0.6297% | 4,476 |
| Return on Equity (ROE) | 4.0332% | 4,762 |
| Retained earnings to average equity (ytd only) | 4.0332% | 3,516 |
| Net charge-offs to loans | 0.7461% | 2,373 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 4,021 |
| Efficiency ratio | 68.9487% | 4,390 |
| Assets per employee ($millions) | 7.9758% | 504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6731% | 3,171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2984% | 6,662 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 82.5271% | 482 |
| Net loans and leases to deposits | 98.3563% | 840 |
| Net loans and leases to core deposits | 121.8294% | 638 |
| Total domestic deposits to total assets | 83.9063% | 4,144 |
| Equity capital to assets | 15.9758% | 672 |
| Core capital (leverage) ratio | 15.8538% | 585 |
| Tier 1 risk-based capital ratio | 19.2792% | 1,657 |
| Total risk-based capital ratio | 20.5350% | 1,621 |
| Memoranda: | ||
| Average total assets | $40,334,330 | 6,986 |
| Average earning assets | $38,711,670 | 6,901 |
| Average equity | $6,297,670 | 6,372 |
| Average total loans | $34,042,670 | 6,332 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8076% | 1,432 |
| Cost of funding earning assets | 2.1137% | 777 |
| Net interest margin | 3.6939% | 4,276 |
| Noninterest income to average assets | 0.0690% | 7,369 |
| Noninterest expense to average assets | 2.6231% | 5,256 |
| Loan and lease loss provision to assets | 0.6607% | 1,917 |
| Net operating income to assets | 0.3353% | 5,143 |
| Return on assets (ROA) | 0.3353% | 5,265 |
| Pretax return on assets | 0.3353% | 5,505 |
| Return on Equity (ROE) | 2.1722% | 5,693 |
| Retained earnings to average equity (ytd only) | 2.1722% | 4,831 |
| Net charge-offs to loans | 0.4311% | 2,753 |
| Credit loss provision to net charge-offs | 181.0811% | 2,025 |
| Earnings coverage of net charge-offs (x) | 2.7297% | 3,179 |
| Efficiency ratio | 72.4796% | 3,850 |
| Assets per employee ($millions) | 8.2184% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6821% | 3,130 |
| Loan loss allowance to noncurrent loans | 495.7983% | 646 |
| Noncurrent assets plus other real estate owned to assets | 1.7887% | 3,806 |
| Noncurrent loans to loans | 0.3393% | 6,622 |
| Net loans and leases to total assets | 83.9214% | 382 |
| Net loans and leases to deposits | 102.2657% | 631 |
| Net loans and leases to core deposits | 130.7141% | 474 |
| Total domestic deposits to total assets | 82.0622% | 5,052 |
| Equity capital to assets | 15.2779% | 815 |
| Core capital (leverage) ratio | 15.5820% | 644 |
| Tier 1 risk-based capital ratio | 17.8697% | 1,979 |
| Total risk-based capital ratio | 19.1250% | 1,949 |
| Memoranda: | ||
| Average total assets | $40,562,000 | 7,069 |
| Average earning assets | $38,983,500 | 6,973 |
| Average equity | $6,261,000 | 6,427 |
| Average total loans | $34,328,500 | 6,400 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5342% | 3,967 |
| Cost of funding earning assets | 2.5424% | 915 |
| Net interest margin | 2.9918% | 6,667 |
| Noninterest income to average assets | 0.4805% | 4,563 |
| Noninterest expense to average assets | 3.0962% | 3,762 |
| Loan and lease loss provision to assets | 1.2147% | 1,892 |
| Net operating income to assets | -2.3539% | 7,215 |
| Return on assets (ROA) | -2.3539% | 7,220 |
| Pretax return on assets | -0.9556% | 6,383 |
| Return on Equity (ROE) | -12.9511% | 6,824 |
| Retained earnings to average equity (ytd only) | -12.9511% | 6,750 |
| Net charge-offs to loans | 1.7369% | 1,441 |
| Credit loss provision to net charge-offs | 83.0258% | 6,218 |
| Earnings coverage of net charge-offs (x) | 0.1771% | 5,980 |
| Efficiency ratio | 92.2767% | 1,545 |
| Assets per employee ($millions) | 8.0064% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6676% | 3,016 |
| Loan loss allowance to noncurrent loans | 358.9744% | 914 |
| Noncurrent assets plus other real estate owned to assets | 2.0833% | 3,295 |
| Noncurrent loans to loans | 0.4645% | 6,334 |
| Net loans and leases to total assets | 82.4890% | 613 |
| Net loans and leases to deposits | 101.0558% | 821 |
| Net loans and leases to core deposits | 108.2689% | 3,077 |
| Total domestic deposits to total assets | 81.6272% | 5,098 |
| Equity capital to assets | 15.5975% | 769 |
| Core capital (leverage) ratio | 15.4754% | 695 |
| Tier 1 risk-based capital ratio | 18.0082% | 1,895 |
| Total risk-based capital ratio | 19.2628% | 1,854 |
| Memoranda: | ||
| Average total assets | $37,045,600 | 7,208 |
| Average earning assets | $35,596,800 | 7,117 |
| Average equity | $6,733,000 | 6,354 |
| Average total loans | $31,205,800 | 6,571 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4227% | 4,837 |
| Cost of funding earning assets | 2.5833% | 1,070 |
| Net interest margin | 2.8394% | 6,990 |
| Noninterest income to average assets | 0.4114% | 5,202 |
| Noninterest expense to average assets | 3.2948% | 2,940 |
| Loan and lease loss provision to assets | 1.2525% | 1,542 |
| Net operating income to assets | -3.3058% | 7,653 |
| Return on assets (ROA) | -3.3058% | 7,659 |
| Pretax return on assets | -1.4068% | 6,917 |
| Return on Equity (ROE) | -17.5044% | 7,290 |
| Retained earnings to average equity (ytd only) | -17.5044% | 7,253 |
| Net charge-offs to loans | 1.7553% | 1,150 |
| Credit loss provision to net charge-offs | 84.6154% | 5,633 |
| Earnings coverage of net charge-offs (x) | -0.1042% | 6,188 |
| Efficiency ratio | 104.9123% | 884 |
| Assets per employee ($millions) | 9.7360% | 289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7785% | 2,351 |
| Loan loss allowance to noncurrent loans | 42.5685% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 3.5590% | 1,854 |
| Noncurrent loans to loans | 4.1780% | 1,732 |
| Net loans and leases to total assets | 83.6689% | 581 |
| Net loans and leases to deposits | 103.2446% | 827 |
| Net loans and leases to core deposits | 111.4936% | 3,070 |
| Total domestic deposits to total assets | 81.0394% | 5,068 |
| Equity capital to assets | 15.9614% | 797 |
| Core capital (leverage) ratio | 15.9303% | 689 |
| Tier 1 risk-based capital ratio | 18.8130% | 1,793 |
| Total risk-based capital ratio | 20.0690% | 1,749 |
| Memoranda: | ||
| Average total assets | $36,299,000 | 7,300 |
| Average earning assets | $34,889,500 | 7,213 |
| Average equity | $6,855,250 | 6,372 |
| Average total loans | $30,611,750 | 6,646 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2770% | 5,758 |
| Cost of funding earning assets | 2.5941% | 1,304 |
| Net interest margin | 2.6829% | 7,239 |
| Noninterest income to average assets | 0.0113% | 7,907 |
| Noninterest expense to average assets | 3.3995% | 2,631 |
| Loan and lease loss provision to assets | 0.7567% | 2,172 |
| Net operating income to assets | -0.9995% | 6,986 |
| Return on assets (ROA) | -0.9995% | 6,984 |
| Pretax return on assets | -1.5868% | 7,127 |
| Return on Equity (ROE) | -5.0083% | 6,607 |
| Retained earnings to average equity (ytd only) | -5.0083% | 6,301 |
| Net charge-offs to loans | 0.5444% | 2,694 |
| Credit loss provision to net charge-offs | 165.4321% | 2,770 |
| Earnings coverage of net charge-offs (x) | -1.8148% | 6,335 |
| Efficiency ratio | 132.3077% | 506 |
| Assets per employee ($millions) | 9.1885% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1397% | 1,331 |
| Loan loss allowance to noncurrent loans | 41.2522% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 4.6498% | 1,192 |
| Noncurrent loans to loans | 5.1868% | 1,157 |
| Net loans and leases to total assets | 87.7292% | 252 |
| Net loans and leases to deposits | 112.5131% | 461 |
| Net loans and leases to core deposits | 122.4099% | 2,167 |
| Total domestic deposits to total assets | 77.9725% | 6,080 |
| Equity capital to assets | 18.8796% | 468 |
| Core capital (leverage) ratio | 17.2784% | 580 |
| Tier 1 risk-based capital ratio | 19.6119% | 1,650 |
| Total risk-based capital ratio | 20.8724% | 1,609 |
| Memoranda: | ||
| Average total assets | $35,417,330 | 7,393 |
| Average earning assets | $33,769,330 | 7,328 |
| Average equity | $7,068,330 | 6,343 |
| Average total loans | $29,757,670 | 6,748 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0764% | 6,723 |
| Cost of funding earning assets | 2.5746% | 1,640 |
| Net interest margin | 2.5017% | 7,500 |
| Noninterest income to average assets | 0.0115% | 8,011 |
| Noninterest expense to average assets | 3.3382% | 2,543 |
| Loan and lease loss provision to assets | -1.5885% | 8,243 |
| Net operating income to assets | 0.3914% | 4,891 |
| Return on assets (ROA) | 0.3914% | 5,068 |
| Pretax return on assets | 0.6331% | 4,645 |
| Return on Equity (ROE) | 1.9066% | 5,805 |
| Retained earnings to average equity (ytd only) | 1.9066% | 4,792 |
| Net charge-offs to loans | 0.5255% | 2,143 |
| Credit loss provision to net charge-offs | -372.9730% | 6,354 |
| Earnings coverage of net charge-offs (x) | -2.2432% | 5,482 |
| Efficiency ratio | 140.0966% | 409 |
| Assets per employee ($millions) | 7.4928% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6407% | 2,352 |
| Loan loss allowance to noncurrent loans | 26.6480% | 6,794 |
| Noncurrent assets plus other real estate owned to assets | 4.7779% | 969 |
| Noncurrent loans to loans | 6.1569% | 760 |
| Net loans and leases to total assets | 76.3293% | 2,199 |
| Net loans and leases to deposits | 97.9550% | 1,673 |
| Net loans and leases to core deposits | 107.1653% | 3,778 |
| Total domestic deposits to total assets | 77.9228% | 6,043 |
| Equity capital to assets | 19.0850% | 483 |
| Core capital (leverage) ratio | 20.6474% | 368 |
| Tier 1 risk-based capital ratio | 22.4551% | 1,252 |
| Total risk-based capital ratio | 23.7107% | 1,223 |
| Memoranda: | ||
| Average total assets | $34,749,000 | 7,459 |
| Average earning assets | $32,937,000 | 7,407 |
| Average equity | $7,133,000 | 6,360 |
| Average total loans | $28,162,000 | 6,872 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9255% | 5,922 |
| Cost of funding earning assets | 2.9710% | 1,982 |
| Net interest margin | 2.9545% | 7,016 |
| Noninterest income to average assets | 0.0158% | 8,047 |
| Noninterest expense to average assets | 4.0302% | 1,372 |
| Loan and lease loss provision to assets | 1.6697% | 781 |
| Net operating income to assets | -1.8079% | 7,560 |
| Return on assets (ROA) | -1.8079% | 7,516 |
| Pretax return on assets | -2.8697% | 7,677 |
| Return on Equity (ROE) | -6.2124% | 6,976 |
| Retained earnings to average equity (ytd only) | -6.2124% | 6,688 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.3989% | 386 |
| Assets per employee ($millions) | 6.4068% | 925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3926% | 769 |
| Loan loss allowance to noncurrent loans | 59.8165% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 3.4026% | 1,314 |
| Noncurrent loans to loans | 3.9999% | 1,228 |
| Net loans and leases to total assets | 83.0337% | 1,040 |
| Net loans and leases to deposits | 115.3870% | 552 |
| Net loans and leases to core deposits | 127.5609% | 2,036 |
| Total domestic deposits to total assets | 71.9610% | 7,005 |
| Equity capital to assets | 22.2139% | 343 |
| Core capital (leverage) ratio | 21.4835% | 354 |
| Tier 1 risk-based capital ratio | 24.6571% | 1,016 |
| Total risk-based capital ratio | 25.9203% | 991 |
| Memoranda: | ||
| Average total assets | $25,333,800 | 7,833 |
| Average earning assets | $24,133,000 | 7,775 |
| Average equity | $7,372,400 | 6,324 |
| Average total loans | $21,965,800 | 7,193 |