PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Commerce

San Diego, CA · Cert 22142

FDIC

Q2 1999

$608.4MAssets
$420.5MLoans
$538.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.39%, down 117 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 78.10% of deposits as of Q2 1999.

Return on Assets (YTD, annualized)

0.39%-117 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.

MetricQ3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999YoY ΔTrend
Earnings
Return on Assets1.39%1.51%1.84%1.56%1.76%1.94%1.87%0.39%-117 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)48.95%49.82%25.42%52.84%41.49%14.62%10.36%-15.30%-6,814 bps
Loan Growth (YoY)47.79%31.43%19.37%37.83%25.66%14.25%7.49%-14.75%-5,258 bps
Deposit Growth (YoY)48.15%48.51%23.77%51.55%39.46%11.62%6.91%-18.37%-6,992 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 / Deposits84.45%74.90%75.82%74.77%76.09%76.67%76.24%78.10%+332 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