PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Commerce

Fort Worth, TX · Cert 15795

FDIC

Q1 1999

$180.8MAssets
$77.1MLoans
$165.9MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.88%, down 9 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 46.49% of deposits as of Q1 1999.

Return on Assets (YTD, annualized)

0.88%-9 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.

MetricQ2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999YoY ΔTrend
Earnings
Return on Assets1.32%1.38%1.45%0.97%0.90%1.10%1.01%0.88%-9 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)12.75%20.47%16.27%25.77%27.04%22.32%25.88%10.24%-1,553 bps
Loan Growth (YoY)13.29%6.65%2.74%4.32%6.82%15.96%13.99%7.39%+308 bps
Deposit Growth (YoY)12.38%20.74%16.13%26.57%28.28%22.71%27.01%10.23%-1,634 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 / Deposits54.42%48.75%48.64%47.72%45.32%46.07%43.65%46.49%-123 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