Pacific Commerce Bank

Pacific Commerce Bank is headquartered in Los Angeles and is the 173^rd largest bank in the state of California. It is also the 3,674^th largest bank in the nation. It was established in 2002 and as of March of 2012, it had grown to 31 employees at 2 locations. Pacific Commerce Bank has a 2-star health rating.

Pacific Commerce Bank Routing Number: 122043301

Pacific Commerce Bank Checking Account Rates

Data for Q1 2012

Institution Statistics Pacific Commerce Bank FDIC Certificate # 57065 BankRate Report View Year Established 2002 Employees 31 Primary Regulator FED Assets and Liabilities Assets $161.88 million Loans $106.83 million Deposits $140.06 million Equity Capital $20.96 million Loan Loss Allowance $5.35 million Unbacked Noncurrent Loans $10.34 million Real Estate Owned $4.58 million Historic Data - March 2011 Assets $195.62 million Equity Capital $19.20 million Loan Loss Allowance $5.63 million Unbacked Noncurrent Loans $8.35 million Real Estate Owned $511,000 Profit Margin - Quarterly Net Interest Margin 4.18% Return on Assets 0.78% Return on Equity 6.52% Interest Income $1.75 million

Institution Health Overall Score: 2 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 Pacific Commerce Bank had $14.92 million in non-current loans and owned real-estate with $26.31 million in equity and loan loss allowances on hand to cover it. This gives Pacific Commerce Bank a Texas Ratio of 56.68% 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 Pacific Commerce Bank increased slightly from 35.69% as of March 31, 2011 to 56.68% as of March 31, 2012, resulting in a negative change of 58.84%. This indicates that the balance sheet and financial strength for Pacific Commerce Bank has declined slightly in recent periods. Deposit Growth In the past year, Pacific Commerce Bank has decreased its total deposits by -$35.24 million, resulting in -20.1% 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 Pacific 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. Pacific Commerce Bank has $161.88 million in assets with $26.31 million in equity, resulting in a capitalization level of 16.25%, which is excellent.

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