The Commerce Bank of Oregon

The Commerce Bank of Oregon is headquartered in Portland and is the 31^st largest bank in the state of Oregon. It is also the 5,651^st largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 18 employees at 1 location. The Commerce Bank of Oregon has a 5-star health rating.

The Commerce Bank of Oregon Routing Number: 123006965

Data for Q1 2012

Institution Statistics The Commerce Bank of Oregon FDIC Certificate # 58223 BankRate Report View Year Established 2005 Employees 18 Primary Regulator FDIC Assets and Liabilities Assets $74.46 million Loans $65.96 million Deposits $59.57 million Equity Capital $14.22 million Loan Loss Allowance $1.58 million Unbacked Noncurrent Loans $660,000 Historic Data - March 2011 Assets $65.63 million Equity Capital $14.15 million Loan Loss Allowance $1.59 million Unbacked Noncurrent Loans $95,000 Profit Margin - Quarterly Net Interest Margin 4.78% Return on Assets -0.01% Return on Equity -0.03% Interest Income $868,000

Institution Health Overall Score: 5 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 The Commerce Bank of Oregon had $660,000 in non-current loans and owned real-estate with $15.8 million in equity and loan loss allowances on hand to cover it. This gives The Commerce Bank of Oregon a Texas Ratio of 4.18% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Commerce Bank of Oregon held steady from 0.60% as of March 31, 2011 to 4.18% as of March 31, 2012, resulting in a negative change of 592.19%. This indicates that the balance sheet and financial strength for The Commerce Bank of Oregon has held steady in recent periods. Deposit Growth In the past year, The Commerce Bank of Oregon has increased its total deposits by $10.44 million, resulting in 21.25% 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 The Commerce Bank of Oregon 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. The Commerce Bank of Oregon has $74.46 million in assets with $15.8 million in equity, resulting in a capitalization level of 21.22%, which is excellent.

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