Peoples Bank of Commerce (OR)

Peoples Bank of Commerce (OR) is headquartered in Medford and is the 23^rd largest bank in the state of Oregon. It is also the 4,290^th largest bank in the nation. It was established in 1998 and as of March of 2012, it had grown to 43 employees at 3 locations. Peoples Bank of Commerce (OR) has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Peoples Bank of Commerce FDIC Certificate # 34685 BankRate Report View Year Established 1998 Employees 43 Primary Regulator FDIC Assets and Liabilities Assets $128.37 million Loans $97.91 million Deposits $112.65 million Equity Capital $13.87 million Loan Loss Allowance $1.65 million Unbacked Noncurrent Loans $118,000 Real Estate Owned $2.59 million Historic Data - March 2011 Assets $109.93 million Equity Capital $12.93 million Loan Loss Allowance $1.35 million Unbacked Noncurrent Loans $913,000 Real Estate Owned $2.21 million Profit Margin - Quarterly Net Interest Margin 4.71% Return on Assets 0.71% Return on Equity 6.61% Interest Income $1.47 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 Peoples Bank of Commerce (OR) had $2.71 million in non-current loans and owned real-estate with $15.52 million in equity and loan loss allowances on hand to cover it. This gives Peoples Bank of Commerce (OR) a Texas Ratio of 17.47% 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 Peoples Bank of Commerce (OR) decreased slightly from 21.84% as of March 31, 2011 to 17.47% as of March 31, 2012, resulting in a positive change of 20.00%.This indicates that the balance sheet and financial strength for Peoples Bank of Commerce (OR) has improved slightly in recent periods. Deposit Growth In the past year, Peoples Bank of Commerce (OR) has increased its total deposits by $17.21 million, resulting in 18.03% 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 Peoples Bank of Commerce (OR) 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. Peoples Bank of Commerce (OR) has $128.37 million in assets with $15.52 million in equity, resulting in a capitalization level of 12.09%, which is excellent.

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