PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Commerce

Milton Freewater, OR · Cert 16259

FDIC

Q1 2000

$62.8MAssets
$43.9MLoans
$53.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.85%, up 36 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 82.40% of deposits as of Q1 2000.

Return on Assets (YTD, annualized)

1.85%+36 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 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000YoY ΔTrend
Earnings
Return on Assets1.61%1.64%1.55%1.49%1.66%1.77%1.79%1.85%+36 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)-3.88%-0.51%5.15%3.27%3.19%6.94%-3.10%-0.56%-384 bps
Loan Growth (YoY)9.50%6.86%2.82%1.78%3.98%12.81%13.05%16.54%+1,475 bps
Deposit Growth (YoY)0.34%0.59%9.37%3.25%1.90%-0.73%-7.15%-4.17%-742 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 / Deposits73.04%71.38%65.90%67.76%74.53%81.11%80.23%82.40%+1,464 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