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Overview / Commentary
25220 Hancock Avenue, Suite #140
Murrieta, CA 92562

Commerce Bank of Temecula Valley is headquartered in Murrieta and is the 212st largest bank in the state of California. It is also the 5,752nd largest bank in the nation. It was established in 2007 and as of March of 2014, it had grown to 15 employees at 1 location. Commerce Bank of Temecula Valley has a A health rating.

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Health

Data for Q1 2014

Institution Health

A
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Commerce Bank of Temecula Valley has a relatively low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Commerce Bank of Temecula Valley had $468,000 in non-current loans and owned real-estate with $9.49 million in equity and loan loss allowances on hand to cover it. This gives Commerce Bank of Temecula Valley a Texas Ratio of 4.93% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Commerce Bank of Temecula Valley experienced no significant changes from 3.62% as of March 31, 2013 to 4.93% as of March 31, 2014, resulting in a negative change of 36.17%. This indicates that the balance sheet and financial strength for Commerce Bank of Temecula Valley has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Commerce Bank of Temecula Valley has increased its total deposits by $8.02 million, resulting in 19.29% 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 excellent.

Capitalization

GRADE:
A+

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 $58.54 million in assets with $9.49 million in equity, resulting in a capitalization level of 16.22%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #58590
Year Established2007
Employees15
Primary RegulatorFDIC
Assets and Liabilities
Assets$58.54 million
Loans$44.17 million
Deposits$49.56 million
Equity Capital$8.81 million
Loan Loss Allowance$683,000
Unbacked Noncurrent Loans$468,000
Real Estate Owned$0
Historic Data - March 2013
Assets$50.75 million
Equity Capital$9.08 million
Loan Loss Allowance$1.03 million
Unbacked Noncurrent Loans$468,000
Real Estate Owned$239,000
Profit Margin - Quarterly
Net Interest Margin4.56%
Return on Assets0.08%
Return on Equity0.5%
Interest Income$650,000
Rates

Sorry, we do not have rate data for Commerce Bank of Temecula Valley

Locations


Commerce Bank of Temecula Valley Locations
Commerce Bank Of Temecula Valley25220 Hancock Avenue, Suite #140Murrieta, CA 92562