PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Commerce NA

Auburn, CA · Cert 24319

FDIC

Q2 1996

$75.1MAssets
$58.5MLoans
$67.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.00%, down 41 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 87.19% of deposits as of Q2 1996.

Return on Assets (YTD, annualized)

1.00%-41 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 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996YoY ΔTrend
Earnings
Return on Assets1.15%1.12%1.84%1.41%1.38%1.36%0.99%1.00%-41 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/a14.22%13.48%9.48%9.62%5.59%-1.96%-1,544 bps
Loan Growth (YoY)n/an/a19.61%18.48%9.25%10.06%11.91%16.07%-241 bps
Deposit Growth (YoY)n/an/a17.13%16.51%10.31%10.08%5.37%-3.05%-1,956 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 / Deposits74.45%74.94%76.91%72.83%73.74%74.93%81.69%87.19%+1,436 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