Michigan Commerce Bank

Michigan Commerce Bank is headquartered in Ann Arbor and is the 14^st largest bank in the state of Michigan. It is also the 922^nd largest bank in the nation. It was established in 1990 and as of March of 2012, it had grown to 253 employees at 10 locations. Michigan Commerce Bank has a 1-star health rating.

Michigan Commerce Bank Routing Number: 072413748

Data for Q1 2012

Institution Statistics Michigan Commerce Bank FDIC Certificate # 33134 BankRate Report View Year Established 1990 Employees 253 Primary Regulator FDIC Assets and Liabilities Assets $719.44 million Loans $538.58 million Deposits $691.24 million Equity Capital $17.52 million Loan Loss Allowance $41.66 million Unbacked Noncurrent Loans $68.14 million Real Estate Owned $37.20 million Historic Data - March 2011 Assets $884.47 million Equity Capital $19.19 million Loan Loss Allowance $51.01 million Unbacked Noncurrent Loans $101.82 million Real Estate Owned $30.32 million Profit Margin - Quarterly Net Interest Margin 4.24% Return on Assets -0.01% Return on Equity -0.41% Interest Income $8.77 million

Institution Health Overall Score: 1 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 Michigan Commerce Bank had $105.35 million in non-current loans and owned real-estate with $59.18 million in equity and loan loss allowances on hand to cover it. This gives Michigan Commerce Bank a Texas Ratio of 178.02% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Michigan Commerce Bank held steady from 189.13% as of March 31, 2011 to 178.02% as of March 31, 2012, resulting in a positive change of 5.87%.This indicates that the balance sheet and financial strength for Michigan Commerce Bank has held steady in recent periods. Deposit Growth In the past year, Michigan Commerce Bank has decreased its total deposits by -$162.86 million, resulting in -19.07% 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 Michigan 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. Michigan Commerce Bank has $719.44 million in assets with $59.18 million in equity, resulting in a capitalization level of 8.23%, which is average.

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