Peoples Bank of Commerce

Peoples Bank of Commerce is headquartered in Cambridge and is the 48^th largest bank in the state of Minnesota. It is also the 2,213^st largest bank in the nation. It was established in 1916 and as of March of 2012, it had grown to 71 employees at 6 locations. Peoples Bank of Commerce has a 3-star health rating.

Peoples Bank of Commerce Routing Number: 091913216

Data for Q1 2012

Institution Statistics Peoples Bank of Commerce FDIC Certificate # 10192 BankRate Report View Year Established 1916 Employees 71 Primary Regulator FDIC Assets and Liabilities Assets $295.15 million Loans $182.64 million Deposits $236.88 million Equity Capital $38.00 million Loan Loss Allowance $4.21 million Unbacked Noncurrent Loans $10.35 million Real Estate Owned $3.42 million Historic Data - March 2011 Assets $310.40 million Equity Capital $35.55 million Loan Loss Allowance $4.77 million Unbacked Noncurrent Loans $14.44 million Real Estate Owned $5.95 million Profit Margin - Quarterly Net Interest Margin 4.44% Return on Assets 1.48% Return on Equity 11.64% Interest Income $3.44 million

Institution Health Overall Score: 3 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 had $13.77 million in non-current loans and owned real-estate with $42.21 million in equity and loan loss allowances on hand to cover it. This gives Peoples Bank of Commerce a Texas Ratio of 32.61% 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 Peoples Bank of Commerce decreased slightly from 51.99% as of March 31, 2011 to 32.61% as of March 31, 2012, resulting in a positive change of 37.27%.This indicates that the balance sheet and financial strength for Peoples Bank of Commerce has improved slightly in recent periods. Deposit Growth In the past year, Peoples Bank of Commerce has decreased its total deposits by -$6.85 million, resulting in -2.81% 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 has shown is below 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. Peoples Bank of Commerce has $295.15 million in assets with $42.21 million in equity, resulting in a capitalization level of 14.30%, which is excellent.

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