Home > The Bank of Commerce > Performance and Condition Ratios
The 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 | 4.2353% | 6,879 |
| Cost of funding earning assets | 2.3095% | 205 |
| Net interest margin | 1.9258% | 7,479 |
| Noninterest income to average assets | -0.5465% | 7,575 |
| Noninterest expense to average assets | 2.8753% | 4,329 |
| Loan and lease loss provision to assets | 2.9339% | 334 |
| Net operating income to assets | -4.5785% | 7,495 |
| Return on assets (ROA) | -4.5785% | 7,510 |
| Pretax return on assets | -4.5785% | 7,506 |
| Return on Equity (ROE) | -161.7038% | 7,638 |
| Retained earnings to average equity (ytd only) | -161.7038% | 7,638 |
| Net charge-offs to loans | 3.3372% | 456 |
| Credit loss provision to net charge-offs | 105.8544% | 4,228 |
| Earnings coverage of net charge-offs (x) | -0.5934% | 6,500 |
| Efficiency ratio | 233.6303% | 60 |
| Assets per employee ($millions) | 10.8716% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2356% | 99 |
| Loan loss allowance to noncurrent loans | 22.0240% | 6,732 |
| Noncurrent assets plus other real estate owned to assets | 31.4213% | 6 |
| Noncurrent loans to loans | 28.3126% | 20 |
| Net loans and leases to total assets | 77.4011% | 1,034 |
| Net loans and leases to deposits | 78.2140% | 3,482 |
| Net loans and leases to core deposits | 83.8600% | 3,618 |
| Total domestic deposits to total assets | 98.9606% | 6 |
| Equity capital to assets | 0.4262% | 7,644 |
| Core capital (leverage) ratio | 0.4092% | 7,644 |
| Tier 1 risk-based capital ratio | 0.5127% | 7,645 |
| Total risk-based capital ratio | 1.0254% | 7,645 |
| Memoranda: | ||
| Average total assets | $182,417,600 | 3,341 |
| Average earning assets | $168,345,800 | 3,309 |
| Average equity | $5,165,000 | 6,612 |
| Average total loans | $151,504,400 | 2,746 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1915% | 7,100 |
| Cost of funding earning assets | 2.4952% | 140 |
| Net interest margin | 1.6963% | 7,640 |
| Noninterest income to average assets | -0.8516% | 7,719 |
| Noninterest expense to average assets | 2.6309% | 5,193 |
| Loan and lease loss provision to assets | 3.7047% | 180 |
| Net operating income to assets | -5.6087% | 7,679 |
| Return on assets (ROA) | -5.6087% | 7,685 |
| Pretax return on assets | -5.6087% | 7,677 |
| Return on Equity (ROE) | -167.1691% | 7,735 |
| Retained earnings to average equity (ytd only) | -167.1691% | 7,735 |
| Net charge-offs to loans | 1.8947% | 1,008 |
| Credit loss provision to net charge-offs | 235.1107% | 1,437 |
| Earnings coverage of net charge-offs (x) | -1.2083% | 6,477 |
| Efficiency ratio | 361.9001% | 18 |
| Assets per employee ($millions) | 11.2599% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7712% | 43 |
| Loan loss allowance to noncurrent loans | 37.3900% | 5,850 |
| Noncurrent assets plus other real estate owned to assets | 23.3133% | 32 |
| Noncurrent loans to loans | 20.7841% | 67 |
| Net loans and leases to total assets | 77.9122% | 1,049 |
| Net loans and leases to deposits | 78.8568% | 3,661 |
| Net loans and leases to core deposits | 89.1171% | 3,223 |
| Total domestic deposits to total assets | 98.8022% | 5 |
| Equity capital to assets | 0.6927% | 7,750 |
| Core capital (leverage) ratio | 0.6821% | 7,747 |
| Tier 1 risk-based capital ratio | 0.8630% | 7,747 |
| Total risk-based capital ratio | 1.7260% | 7,747 |
| Memoranda: | ||
| Average total assets | $187,253,500 | 3,313 |
| Average earning assets | $174,253,500 | 3,248 |
| Average equity | $6,282,500 | 6,364 |
| Average total loans | $155,726,750 | 2,716 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1478% | 7,232 |
| Cost of funding earning assets | 2.7343% | 81 |
| Net interest margin | 1.4136% | 7,753 |
| Noninterest income to average assets | -0.5864% | 7,759 |
| Noninterest expense to average assets | 2.3695% | 6,151 |
| Loan and lease loss provision to assets | 0.4716% | 2,958 |
| Net operating income to assets | -2.1048% | 7,336 |
| Return on assets (ROA) | -2.1048% | 7,343 |
| Pretax return on assets | -2.1048% | 7,268 |
| Return on Equity (ROE) | -50.9599% | 7,612 |
| Retained earnings to average equity (ytd only) | -50.9599% | 7,608 |
| Net charge-offs to loans | 1.2169% | 1,569 |
| Credit loss provision to net charge-offs | 46.8172% | 5,488 |
| Earnings coverage of net charge-offs (x) | -1.6211% | 6,184 |
| Efficiency ratio | 321.7697% | 33 |
| Assets per employee ($millions) | 10.8890% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0483% | 169 |
| Loan loss allowance to noncurrent loans | 22.2529% | 6,832 |
| Noncurrent assets plus other real estate owned to assets | 23.8044% | 26 |
| Noncurrent loans to loans | 22.6861% | 46 |
| Net loans and leases to total assets | 81.8309% | 552 |
| Net loans and leases to deposits | 85.8436% | 2,532 |
| Net loans and leases to core deposits | 118.7382% | 738 |
| Total domestic deposits to total assets | 95.3256% | 40 |
| Equity capital to assets | 4.0247% | 7,694 |
| Core capital (leverage) ratio | 3.7353% | 7,695 |
| Tier 1 risk-based capital ratio | 4.8082% | 7,711 |
| Total risk-based capital ratio | 6.1069% | 7,711 |
| Memoranda: | ||
| Average total assets | $193,371,670 | 3,255 |
| Average earning assets | $180,961,670 | 3,184 |
| Average equity | $7,986,670 | 5,809 |
| Average total loans | $160,075,330 | 2,697 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1341% | 7,339 |
| Cost of funding earning assets | 2.7931% | 89 |
| Net interest margin | 1.3410% | 7,852 |
| Noninterest income to average assets | -1.1353% | 7,905 |
| Noninterest expense to average assets | 1.8803% | 7,360 |
| Loan and lease loss provision to assets | 0.5046% | 2,476 |
| Net operating income to assets | -2.2587% | 7,513 |
| Return on assets (ROA) | -2.2587% | 7,521 |
| Pretax return on assets | -2.2587% | 7,469 |
| Return on Equity (ROE) | -54.0949% | 7,726 |
| Retained earnings to average equity (ytd only) | -54.0949% | 7,716 |
| Net charge-offs to loans | 0.8410% | 1,852 |
| Credit loss provision to net charge-offs | 73.7752% | 4,015 |
| Earnings coverage of net charge-offs (x) | -2.5648% | 5,493 |
| Efficiency ratio | 1,490.6250% | 10 |
| Assets per employee ($millions) | 12.2544% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9661% | 180 |
| Loan loss allowance to noncurrent loans | 22.2268% | 6,895 |
| Noncurrent assets plus other real estate owned to assets | 20.8492% | 48 |
| Noncurrent loans to loans | 22.3430% | 56 |
| Net loans and leases to total assets | 78.1481% | 1,125 |
| Net loans and leases to deposits | 84.8281% | 2,796 |
| Net loans and leases to core deposits | 146.8319% | 261 |
| Total domestic deposits to total assets | 92.1253% | 221 |
| Equity capital to assets | 4.0297% | 7,792 |
| Core capital (leverage) ratio | 3.9064% | 7,786 |
| Tier 1 risk-based capital ratio | 5.1164% | 7,794 |
| Total risk-based capital ratio | 6.4147% | 7,791 |
| Memoranda: | ||
| Average total assets | $202,945,500 | 3,180 |
| Average earning assets | $190,900,500 | 3,109 |
| Average equity | $8,474,000 | 5,695 |
| Average total loans | $165,038,500 | 2,686 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4537% | 7,425 |
| Cost of funding earning assets | 3.4483% | 55 |
| Net interest margin | 1.0054% | 7,931 |
| Noninterest income to average assets | 0.0047% | 7,680 |
| Noninterest expense to average assets | 1.8998% | 7,508 |
| Loan and lease loss provision to assets | 4.0266% | 331 |
| Net operating income to assets | -4.8734% | 7,727 |
| Return on assets (ROA) | -4.8734% | 7,728 |
| Pretax return on assets | -4.9645% | 7,703 |
| Return on Equity (ROE) | -86.6131% | 7,891 |
| Retained earnings to average equity (ytd only) | -86.6131% | 7,886 |
| Net charge-offs to loans | 2.4971% | 926 |
| Credit loss provision to net charge-offs | 203.1223% | 1,911 |
| Earnings coverage of net charge-offs (x) | -0.4731% | 6,673 |
| Efficiency ratio | 197.4978% | 147 |
| Assets per employee ($millions) | 11.6567% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7961% | 194 |
| Loan loss allowance to noncurrent loans | 22.6340% | 6,933 |
| Noncurrent assets plus other real estate owned to assets | 19.4094% | 61 |
| Noncurrent loans to loans | 21.1898% | 62 |
| Net loans and leases to total assets | 76.6115% | 1,669 |
| Net loans and leases to deposits | 83.2636% | 3,407 |
| Net loans and leases to core deposits | 107.8615% | 3,115 |
| Total domestic deposits to total assets | 92.0108% | 265 |
| Equity capital to assets | 4.3118% | 7,834 |
| Core capital (leverage) ratio | 4.2376% | 7,829 |
| Tier 1 risk-based capital ratio | 5.5875% | 7,837 |
| Total risk-based capital ratio | 6.8838% | 7,841 |
| Memoranda: | ||
| Average total assets | $232,652,800 | 2,790 |
| Average earning assets | $221,503,000 | 2,683 |
| Average equity | $13,090,400 | 4,490 |
| Average total loans | $184,693,200 | 2,462 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5743% | 7,446 |
| Cost of funding earning assets | 3.5462% | 57 |
| Net interest margin | 1.0281% | 8,019 |
| Noninterest income to average assets | -0.0011% | 7,856 |
| Noninterest expense to average assets | 1.8364% | 7,626 |
| Loan and lease loss provision to assets | 4.4922% | 224 |
| Net operating income to assets | -5.2300% | 7,865 |
| Return on assets (ROA) | -5.2300% | 7,862 |
| Pretax return on assets | -5.3486% | 7,850 |
| Return on Equity (ROE) | -88.4061% | 7,984 |
| Retained earnings to average equity (ytd only) | -88.4061% | 7,983 |
| Net charge-offs to loans | 0.2749% | 4,326 |
| Credit loss provision to net charge-offs | 2,064.5244% | 189 |
| Earnings coverage of net charge-offs (x) | -3.9358% | 6,827 |
| Efficiency ratio | 187.3858% | 175 |
| Assets per employee ($millions) | 11.6317% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2192% | 74 |
| Loan loss allowance to noncurrent loans | 35.5607% | 6,038 |
| Noncurrent assets plus other real estate owned to assets | 15.7048% | 105 |
| Noncurrent loans to loans | 17.4891% | 94 |
| Net loans and leases to total assets | 74.9446% | 2,257 |
| Net loans and leases to deposits | 82.0266% | 4,020 |
| Net loans and leases to core deposits | 103.3811% | 4,013 |
| Total domestic deposits to total assets | 91.3661% | 288 |
| Equity capital to assets | 4.9932% | 7,950 |
| Core capital (leverage) ratio | 4.7473% | 7,942 |
| Tier 1 risk-based capital ratio | 6.6378% | 7,926 |
| Total risk-based capital ratio | 7.9539% | 7,926 |
| Memoranda: | ||
| Average total assets | $238,360,750 | 2,748 |
| Average earning assets | $227,467,000 | 2,634 |
| Average equity | $14,101,250 | 4,271 |
| Average total loans | $188,655,250 | 2,438 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5899% | 7,548 |
| Cost of funding earning assets | 3.5536% | 92 |
| Net interest margin | 1.0364% | 8,097 |
| Noninterest income to average assets | -0.0131% | 7,982 |
| Noninterest expense to average assets | 1.7178% | 7,815 |
| Loan and lease loss provision to assets | 5.4459% | 164 |
| Net operating income to assets | -6.0120% | 8,003 |
| Return on assets (ROA) | -6.0120% | 7,994 |
| Pretax return on assets | -6.1856% | 7,957 |
| Return on Equity (ROE) | -97.0553% | 8,072 |
| Retained earnings to average equity (ytd only) | -97.0553% | 8,071 |
| Net charge-offs to loans | 0.2626% | 3,874 |
| Credit loss provision to net charge-offs | 2,627.6680% | 195 |
| Earnings coverage of net charge-offs (x) | -3.5692% | 6,423 |
| Efficiency ratio | 175.6281% | 264 |
| Assets per employee ($millions) | 12.5798% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2379% | 110 |
| Loan loss allowance to noncurrent loans | 35.9990% | 6,030 |
| Noncurrent assets plus other real estate owned to assets | 13.3092% | 139 |
| Noncurrent loans to loans | 14.5501% | 144 |
| Net loans and leases to total assets | 73.7018% | 2,788 |
| Net loans and leases to deposits | 80.9632% | 4,398 |
| Net loans and leases to core deposits | 100.5319% | 4,455 |
| Total domestic deposits to total assets | 91.0311% | 444 |
| Equity capital to assets | 4.6214% | 8,063 |
| Core capital (leverage) ratio | 4.4504% | 8,060 |
| Tier 1 risk-based capital ratio | 6.0022% | 8,057 |
| Total risk-based capital ratio | 8.3888% | 8,003 |
| Memoranda: | ||
| Average total assets | $244,147,000 | 2,713 |
| Average earning assets | $233,510,330 | 2,589 |
| Average equity | $15,123,330 | 4,097 |
| Average total loans | $192,669,330 | 2,429 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7214% | 7,474 |
| Cost of funding earning assets | 3.5368% | 136 |
| Net interest margin | 1.1846% | 8,131 |
| Noninterest income to average assets | 0.0405% | 7,883 |
| Noninterest expense to average assets | 1.6651% | 7,857 |
| Loan and lease loss provision to assets | 3.7290% | 267 |
| Net operating income to assets | -3.9657% | 7,976 |
| Return on assets (ROA) | -3.9657% | 7,968 |
| Pretax return on assets | -4.2138% | 7,928 |
| Return on Equity (ROE) | -57.0097% | 8,076 |
| Retained earnings to average equity (ytd only) | -57.0097% | 8,059 |
| Net charge-offs to loans | 0.0469% | 4,823 |
| Credit loss provision to net charge-offs | 10,000.0000% | 59 |
| Earnings coverage of net charge-offs (x) | -13.0000% | 5,635 |
| Efficiency ratio | 141.0714% | 404 |
| Assets per employee ($millions) | 13.0251% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9085% | 521 |
| Loan loss allowance to noncurrent loans | 26.5285% | 6,804 |
| Noncurrent assets plus other real estate owned to assets | 8.9330% | 284 |
| Noncurrent loans to loans | 10.9638% | 228 |
| Net loans and leases to total assets | 75.7933% | 2,319 |
| Net loans and leases to deposits | 84.7602% | 3,857 |
| Net loans and leases to core deposits | 106.2683% | 3,878 |
| Total domestic deposits to total assets | 89.4208% | 1,045 |
| Equity capital to assets | 6.4406% | 7,892 |
| Core capital (leverage) ratio | 6.3116% | 7,940 |
| Tier 1 risk-based capital ratio | 8.3685% | 7,965 |
| Total risk-based capital ratio | 10.6897% | 7,431 |
| Memoranda: | ||
| Average total assets | $246,712,500 | 2,687 |
| Average earning assets | $237,389,500 | 2,557 |
| Average equity | $17,162,000 | 3,703 |
| Average total loans | $196,056,000 | 2,410 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0395% | 5,362 |
| Cost of funding earning assets | 3.4483% | 606 |
| Net interest margin | 2.5912% | 7,649 |
| Noninterest income to average assets | -0.0926% | 8,198 |
| Noninterest expense to average assets | 1.4234% | 8,062 |
| Loan and lease loss provision to assets | 2.3379% | 469 |
| Net operating income to assets | -0.8357% | 7,156 |
| Return on assets (ROA) | -0.8357% | 7,067 |
| Pretax return on assets | -1.3647% | 7,193 |
| Return on Equity (ROE) | -9.4977% | 7,243 |
| Retained earnings to average equity (ytd only) | -9.4977% | 7,028 |
| Net charge-offs to loans | 1.9115% | 575 |
| Credit loss provision to net charge-offs | 132.6053% | 4,017 |
| Earnings coverage of net charge-offs (x) | 0.5520% | 5,899 |
| Efficiency ratio | 59.3917% | 6,458 |
| Assets per employee ($millions) | 13.6638% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6801% | 1,965 |
| Loan loss allowance to noncurrent loans | 21.0918% | 7,184 |
| Noncurrent assets plus other real estate owned to assets | 6.4424% | 434 |
| Noncurrent loans to loans | 7.9654% | 339 |
| Net loans and leases to total assets | 79.5209% | 1,771 |
| Net loans and leases to deposits | 90.5367% | 3,356 |
| Net loans and leases to core deposits | 112.0597% | 3,554 |
| Total domestic deposits to total assets | 87.8328% | 1,545 |
| Equity capital to assets | 7.4752% | 7,403 |
| Core capital (leverage) ratio | 7.9776% | 6,532 |
| Tier 1 risk-based capital ratio | 9.5369% | 7,267 |
| Total risk-based capital ratio | 11.8302% | 6,028 |
| Memoranda: | ||
| Average total assets | $218,146,200 | 2,896 |
| Average earning assets | $209,553,400 | 2,777 |
| Average equity | $19,194,200 | 3,365 |
| Average total loans | $201,201,200 | 2,284 |