| Weiss Ratings |
Western Commerce Bank
Carlsbad, NM |
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| Rating | ||||
| Asset Quality Index | 5.40 | |||
| Capitalization Index | 6.00 | |||
| Liquidity Index | 0.90 | |||
| Profitability Index | 9.80 | |||
| Stability Index | 4.30 | |||
| Company Info |
Western Commerce Bank
Carlsbad, NM |
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| FDIC Number | 18389 | |||
| Phone Number | (575) 887-6686 | |||
| Website | www.wcb.net | |||
| Asset Quality |
Western Commerce Bank
Carlsbad, NM |
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| 1-Year Asset Growth | 8.03% | |||
| 5-Year Asset Growth | 9.87% | |||
| 5-Year Charge-Offs to Average Loans | 0.08% | |||
| Charge-Offs to Average Loans | 0.08% | |||
| Non-Performing Assets to Assets | 1.01% | |||
| Non-Performing Loans to Capital | 10.69% | |||
| Non-Performing Loans to Loans | 2.58% | |||
| Balance Sheet |
Western Commerce Bank
Carlsbad, NM |
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| Total Assets | 804.41M | |||
| Total Deposits | 727.30M | |||
| Capital and Reserves |
Western Commerce Bank
Carlsbad, NM |
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| Capital | 74.47M | |||
| Leverage Ratio | 9.10 | |||
| Loan Loss Reserves to Loans | 1.10% | |||
| Risk-Based Capital Ratio | 22.63 | |||
| Liquidity |
Western Commerce Bank
Carlsbad, NM |
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| Hot Money Ratio | 2.66% | |||
| Liquidity Ratio | 18.20% | |||
| Profitability |
Western Commerce Bank
Carlsbad, NM |
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| 5-Year Return on Average Assets | 2.37% | |||
| Net Income | 12.68M | |||
| Net Interest Spread | 5.24% | |||
| Operating Profit to Average Assets | 3.11% | |||
| Overhead Efficiency Ratio | 41.45% | |||
| Return on Assets | 3.11% | |||
| Return on Equity | 33.92% | |||