1st Commerce Bank

1st Commerce Bank is headquartered in North Las Vegas and is the 23^rd largest bank in the state of Nevada. It is also the 7,059^th largest bank in the nation. It was established in 2006 and as of December of 2011, it had grown to 6 employees at 1 location. 1st Commerce Bank has a 1-star health rating.

1st Commerce Bank Routing Number: 122402285

Data for Q4 2011

Institution Statistics 1st Commerce Bank FDIC Certificate # 58358 BankRate Report View Year Established 2006 Employees 6 Primary Regulator FDIC Assets and Liabilities Assets $26.38 million Loans $16.91 million Deposits $25.47 million Equity Capital $713,000 Loan Loss Allowance $1.63 million Unbacked Noncurrent Loans $2.94 million Real Estate Owned $1.96 million Historic Data - December 2010 Assets $38.36 million Equity Capital ($175,000) Loan Loss Allowance $1.55 million Unbacked Noncurrent Loans $4.25 million Real Estate Owned $1.50 million Profit Margin - Quarterly Net Interest Margin 2.93% Return on Assets -7.71% Return on Equity -434.21% Interest Income $1.12 million

Institution Health Overall Score: 1 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 1st Commerce Bank had $4.91 million in non-current loans and owned real-estate with $2.35 million in equity and loan loss allowances on hand to cover it. This gives 1st Commerce Bank a Texas Ratio of 209.08% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for 1st Commerce Bank decreased significantly from 420.87% as of December 31, 2010 to 209.08% as of December 31, 2011, resulting in a positive change of 50.32%.This indicates that the balance sheet and financial strength for 1st Commerce Bank has improved significantly in recent periods. Deposit Growth In the past year, 1st Commerce Bank has decreased its total deposits by -$12.93 million, resulting in -33.68% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth 1st Commerce Bank has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. 1st Commerce Bank has $26.38 million in assets with $2.35 million in equity, resulting in a capitalization level of 8.90%, which is average.

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