Commerce Bank of Arizona

Commerce Bank of Arizona is headquartered in Tucson and is the 11^st largest bank in the state of Arizona. It is also the 2,498^th largest bank in the nation. It was established in 2002 and as of March of 2012, it had grown to 66 employees at 7 locations. Commerce Bank of Arizona has a 2-star health rating.

Data for Q1 2012

Institution Statistics Commerce Bank of Arizona FDIC Certificate # 57279 BankRate Report View Year Established 2002 Employees 66 Primary Regulator FDIC Assets and Liabilities Assets $258.74 million Loans $176.49 million Deposits $229.98 million Equity Capital $22.74 million Loan Loss Allowance $2.45 million Unbacked Noncurrent Loans $4.03 million Real Estate Owned $4.32 million Historic Data - March 2011 Assets $271.98 million Equity Capital $24.67 million Loan Loss Allowance $3.11 million Unbacked Noncurrent Loans $4.51 million Real Estate Owned $2.48 million Profit Margin - Quarterly Net Interest Margin 3.84% Return on Assets -0.22% Return on Equity -2.5% Interest Income $2.71 million

Institution Health Overall Score: 2 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 March 31, 2012 Commerce Bank of Arizona had $8.35 million in non-current loans and owned real-estate with $25.19 million in equity and loan loss allowances on hand to cover it. This gives Commerce Bank of Arizona a Texas Ratio of 33.14% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Commerce Bank of Arizona increased slightly from 25.14% as of March 31, 2011 to 33.14% as of March 31, 2012, resulting in a negative change of 31.82%. This indicates that the balance sheet and financial strength for Commerce Bank of Arizona has declined slightly in recent periods. Deposit Growth In the past year, Commerce Bank of Arizona has decreased its total deposits by -$9.59 million, resulting in -4% 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 Commerce Bank of Arizona has shown is below average. 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. Commerce Bank of Arizona has $258.74 million in assets with $25.19 million in equity, resulting in a capitalization level of 9.74%, which is average.

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