The Bank of Commerce
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). A current level of 6.0 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Good asset quality (6.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.4 and a capital leverage ratio of 15.7. Operating profits as a percentage of assets at 2.8%, coupled with a return on assets of 2.1 has resulted in Excellent (9.8) profitability.
Asset Mix:
Comm re (26%), securities (15%), comm loans (11%), cash (6%), home mtgs (4%), home eq lns (2%), consumer loans (0%), other (35%)
States with Branches:
ID, MT
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
Investment Rating
--
Address
3113 South 25th East
Idaho Falls, ID 83406
Idaho Falls, ID 83406
Phone Number
(208) 525-9108
Year Founded
1959
FDIC Number
Website
Largest Affiliates
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