Evansville Commerce Bank

Evansville Commerce Bank is headquartered in Evansville and is the 131^st largest bank in the state of Indiana. It is also the 6,259^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 18 employees at 1 location. Evansville Commerce Bank has a 4-star health rating.

Evansville Commerce Bank Routing Number: 086314464

Data for Q1 2012

Institution Statistics Evansville Commerce Bank FDIC Certificate # 58279 BankRate Report View Year Established 2006 Employees 18 Primary Regulator FDIC Assets and Liabilities Assets $53.47 million Loans $33.84 million Deposits $47.51 million Equity Capital $5.85 million Loan Loss Allowance $685,000 Unbacked Noncurrent Loans $897,000 Real Estate Owned $1.49 million Historic Data - March 2011 Assets $48.45 million Equity Capital $4.38 million Loan Loss Allowance $1.03 million Unbacked Noncurrent Loans $1.55 million Real Estate Owned $352,000 Profit Margin - Quarterly Net Interest Margin 3.53% Return on Assets -0.23% Return on Equity -2.04% Interest Income $536,000

Institution Health Overall Score: 4 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 Evansville Commerce Bank had $2.39 million in non-current loans and owned real-estate with $6.53 million in equity and loan loss allowances on hand to cover it. This gives Evansville Commerce Bank a Texas Ratio of 36.54% 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 Evansville Commerce Bank held steady from 35.17% as of March 31, 2011 to 36.54% as of March 31, 2012, resulting in a negative change of 3.87%. This indicates that the balance sheet and financial strength for Evansville Commerce Bank has held steady in recent periods. Deposit Growth In the past year, Evansville Commerce Bank has increased its total deposits by $3.49 million, resulting in 7.92% 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 Evansville Commerce Bank has shown is excellent. 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. Evansville Commerce Bank has $53.47 million in assets with $6.53 million in equity, resulting in a capitalization level of 12.22%, which is excellent.

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