National Bank of Commerce

National Bank of Commerce is headquartered in Superior and is the 39^th largest bank in the state of Wisconsin. It is also the 1,352^nd largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 105 employees at 7 locations. National Bank of Commerce has a 4-star health rating.

Data for Q1 2012

Institution Statistics National Bank of Commerce FDIC Certificate # 14266 BankRate Report View Year Established 1934 Employees 105 Primary Regulator OCC Assets and Liabilities Assets $501.96 million Loans $339.05 million Deposits $412.75 million Equity Capital $62.56 million Loan Loss Allowance $3.68 million Unbacked Noncurrent Loans $8.68 million Real Estate Owned $3.87 million Historic Data - March 2011 Assets $508.39 million Equity Capital $59.82 million Loan Loss Allowance $6.35 million Unbacked Noncurrent Loans $23.29 million Real Estate Owned $5.05 million Profit Margin - Quarterly Net Interest Margin 3.58% Return on Assets -0.31% Return on Equity -2.63% Interest Income $5.72 million

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 National Bank of Commerce had $12.54 million in non-current loans and owned real-estate with $66.24 million in equity and loan loss allowances on hand to cover it. This gives National Bank of Commerce a Texas Ratio of 18.93% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for National Bank of Commerce decreased significantly from 42.55% as of March 31, 2011 to 18.93% as of March 31, 2012, resulting in a positive change of 55.50%.This indicates that the balance sheet and financial strength for National Bank of Commerce has improved significantly in recent periods. Deposit Growth In the past year, National Bank of Commerce has increased its total deposits by $900,000, resulting in 0.22% 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 National Bank of Commerce has shown is 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. National Bank of Commerce has $501.96 million in assets with $66.24 million in equity, resulting in a capitalization level of 13.20%, which is excellent.

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