PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Commerce

McLoud, OK · Cert 11524

FDIC

Q3 1996

$17.8MAssets
$7.4MLoans
$16.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 2.04%, up 2 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 45.50% of deposits as of Q3 1996.

Return on Assets (YTD, annualized)

2.04%+2 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996YoY ΔTrend
Earnings
Return on Assets2.25%2.16%1.96%2.02%1.96%2.01%1.97%2.04%+2 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/a-2.37%-2.22%-5.45%-2.50%-3.12%-1.17%3.43%+888 bps
Loan Growth (YoY)n/a3.32%3.63%-0.50%0.17%-2.90%-7.11%-8.53%-803 bps
Deposit Growth (YoY)n/a-1.38%-3.41%-6.93%-3.69%-3.97%1.78%6.10%+1,303 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits48.73%48.70%52.25%52.78%50.69%49.25%47.69%45.50%-728 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a