Home > Oakland Commerce Bank > Performance and Condition Ratios
Oakland Commerce Bank, Performance and Condition Ratios
| 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 | 6.3576% | 3,656 |
| Cost of funding earning assets | 3.2053% | 1,172 |
| Net interest margin | 3.1523% | 6,515 |
| Noninterest income to average assets | 0.2616% | 6,581 |
| Noninterest expense to average assets | 3.6311% | 2,079 |
| Loan and lease loss provision to assets | 5.7357% | 68 |
| Net operating income to assets | -4.2201% | 8,017 |
| Return on assets (ROA) | -4.2201% | 8,002 |
| Pretax return on assets | -6.3766% | 8,127 |
| Return on Equity (ROE) | -54.1340% | 8,175 |
| Retained earnings to average equity (ytd only) | -54.1340% | 8,160 |
| Net charge-offs to loans | 3.2827% | 253 |
| Credit loss provision to net charge-offs | 197.8306% | 2,470 |
| Earnings coverage of net charge-offs (x) | -0.2211% | 6,381 |
| Efficiency ratio | 121.4357% | 558 |
| Assets per employee ($millions) | 3.7253% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7440% | 35 |
| Loan loss allowance to noncurrent loans | 38.9143% | 6,126 |
| Noncurrent assets plus other real estate owned to assets | 18.4641% | 38 |
| Noncurrent loans to loans | 17.3303% | 55 |
| Net loans and leases to total assets | 79.7180% | 1,720 |
| Net loans and leases to deposits | 99.2553% | 1,953 |
| Net loans and leases to core deposits | 129.3996% | 1,897 |
| Total domestic deposits to total assets | 80.3161% | 4,902 |
| Equity capital to assets | 9.7861% | 4,312 |
| Core capital (leverage) ratio | 8.3956% | 5,775 |
| Tier 1 risk-based capital ratio | 9.8384% | 6,911 |
| Total risk-based capital ratio | 11.1550% | 6,728 |
| Memoranda: | ||
| Average total assets | $100,163,000 | 5,043 |
| Average earning assets | $86,699,200 | 5,196 |
| Average equity | $7,808,400 | 6,171 |
| Average total loans | $88,465,000 | 4,275 |