The Bank of Commerce
Major Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) and a capital leverage ratio of 10.6. A current level of 2.3 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Excellent asset quality (7.4).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10). Fair liquidity 3.6, driven by a liquidity ratio of 25.8 percent and a “hot money” ratio of 24.3 percent.
Asset Mix:
Securities (29%), home mtgs (9%), comm loans (8%), comm re (8%), cash (3%), consumer loans (2%), other (41%)
States with Branches:
LA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Commerce Bancshares, Inc.
Investment Rating
--
Address
32460 Bowie Street
White Castle, LA 70788
White Castle, LA 70788
Phone Number
(225) 545-3656
Year Founded
1927
FDIC Number
Website
Largest Affiliates
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