Community Commerce Bank

Community Commerce Bank is headquartered in Claremont and is the 116^st largest bank in the state of California. It is also the 2,186^th largest bank in the nation. It was established in 1976 and as of March of 2012, it had grown to 47 employees at 6 locations. Community Commerce Bank has a 3-star health rating.

Community Commerce Bank Savings Account Rates

Data for Q1 2012

Institution Statistics Community Commerce Bank FDIC Certificate # 26363 BankRate Report View Year Established 1976 Employees 47 Primary Regulator FDIC Assets and Liabilities Assets $299.17 million Loans $210.64 million Deposits $230.92 million Equity Capital $40.09 million Loan Loss Allowance $11.68 million Unbacked Noncurrent Loans $8.22 million Real Estate Owned $13.29 million Historic Data - March 2011 Assets $349.40 million Equity Capital $38.01 million Loan Loss Allowance $10.48 million Unbacked Noncurrent Loans $8.94 million Real Estate Owned $12.38 million Profit Margin - Quarterly Net Interest Margin 5.38% Return on Assets 0.55% Return on Equity 4.24% Interest Income $4.51 million

Institution Health Overall Score: 3 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 Community Commerce Bank had $21.51 million in non-current loans and owned real-estate with $51.78 million in equity and loan loss allowances on hand to cover it. This gives Community Commerce Bank a Texas Ratio of 41.55% 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 Community Commerce Bank held steady from 43.97% as of March 31, 2011 to 41.55% as of March 31, 2012, resulting in a positive change of 5.50%.This indicates that the balance sheet and financial strength for Community Commerce Bank has held steady in recent periods. Deposit Growth In the past year, Community Commerce Bank has decreased its total deposits by -$38.52 million, resulting in -14.3% 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 Community 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. Community Commerce Bank has $299.17 million in assets with $51.78 million in equity, resulting in a capitalization level of 17.31%, which is excellent.

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