PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Commerce Bank

Lawrence, KS · Cert 19771

FDIC

Q1 1996

$71.5MAssets
$35.8MLoans
$64.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.00%, up 44 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 55.45% of deposits as of Q1 1996.

Return on Assets (YTD, annualized)

1.00%+44 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 1994Q3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996YoY ΔTrend
Earnings
Return on Assets0.19%0.34%0.40%0.57%0.68%0.79%0.71%1.00%+44 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/an/an/a3.47%2.19%-3.86%4.97%6.70%+323 bps
Loan Growth (YoY)n/an/an/a34.67%38.19%11.26%9.05%2.11%-3,256 bps
Deposit Growth (YoY)n/an/an/a8.67%-0.76%5.11%8.56%5.56%-311 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 / Deposits47.75%58.29%57.99%57.33%66.49%61.70%58.25%55.45%-188 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