Commerce Bank of Temecula Valley

Commerce Bank of Temecula Valley is headquartered in Murrieta and is the 246^th largest bank in the state of California. It is also the 6,420^th largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 13 employees at 1 location. Commerce Bank of Temecula Valley has a 5-star health rating.

Data for Q1 2012

Institution Statistics Commerce Bank of Temecula Valley FDIC Certificate # 58590 BankRate Report View Year Established 2007 Employees 13 Primary Regulator FDIC Assets and Liabilities Assets $48.39 million Loans $34.53 million Deposits $38.97 million Equity Capital $9.31 million Loan Loss Allowance $1.04 million Unbacked Noncurrent Loans $638,000 Real Estate Owned $433,000 Historic Data - March 2011 Assets $47.79 million Equity Capital $9.43 million Loan Loss Allowance $973,000 Unbacked Noncurrent Loans $468,000 Real Estate Owned $1.31 million Profit Margin - Quarterly Net Interest Margin 4.87% Return on Assets 0.32% Return on Equity 1.64% Interest Income $599,000

Institution Health Overall Score: 5 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 Temecula Valley had $1.07 million in non-current loans and owned real-estate with $10.35 million in equity and loan loss allowances on hand to cover it. This gives Commerce Bank of Temecula Valley a Texas Ratio of 10.35% which is above 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 Temecula Valley decreased slightly from 17.06% as of March 31, 2011 to 10.35% as of March 31, 2012, resulting in a positive change of 39.34%.This indicates that the balance sheet and financial strength for Commerce Bank of Temecula Valley has improved slightly in recent periods. Deposit Growth In the past year, Commerce Bank of Temecula Valley has increased its total deposits by $713,000, resulting in 1.86% 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 Temecula Valley has shown is above 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 Temecula Valley has $48.38 million in assets with $10.35 million in equity, resulting in a capitalization level of 21.39%, which is excellent.

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