Home > National Bank of Commerce > Performance and Condition Ratios

National Bank of Commerce, Performance and Condition Ratios

2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5934%7,089
Cost of funding earning assets2.7727%2,816
Net interest margin2.8207%7,296
Noninterest income to average assets0.2361%6,754
Noninterest expense to average assets1.8030%7,749
Loan and lease loss provision to assets0.1389%5,583
Net operating income to assets1.2573%1,613
Return on assets (ROA)-13.4860%8,278
Pretax return on assets-22.2966%8,301
Return on Equity (ROE)-213.8631%8,300
Retained earnings to average equity (ytd only)-213.8631%8,300
Net charge-offs to loans0.0013%7,019
Credit loss provision to net charge-offs20,000.0000%28
Earnings coverage of net charge-offs (x)1,265.3333%34
Efficiency ratio67.2391%4,866
Assets per employee ($millions)5.5965%1,389
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.9461%1,325
Loan loss allowance to noncurrent loans61.3743%4,934
Noncurrent assets plus other real estate owned to assets1.7751%2,760
Noncurrent loans to loans3.1708%1,667
Net loans and leases to total assets54.8939%6,561
Net loans and leases to deposits58.2042%7,196
Net loans and leases to core deposits66.0252%7,360
Total domestic deposits to total assets94.3124%26
Equity capital to assets0.8386%8,294
Core capital (leverage) ratio-11.4113%8,304
Tier 1 risk-based capital ratio-16.5327%8,304
Total risk-based capital ratio-16.5327%8,304
Memoranda:
Average total assets$432,101,2001,581
Average earning assets$374,619,0001,656
Average equity$27,247,8002,459
Average total loans$234,919,2002,008