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SAFE & SOUND® STAR RATINGS

Financial statement

1ST COMMERCE BANK
5135 CAMINO AL NORTE, SUITE 250
NORTH LAS VEGAS, Nevada 89031

STAR RATING: 1 star
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 3465383




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$23,577$26,375$39,555
Loans Receivable, Net14,47416,90825,521
Mortgage-Backed Securities000
Investments000
Deposits23,08125,46738,400
Borrowings000
Equity4547131,025
Net Interest Income7778531,041
Fee Income475166
Overhead1,5342,0311,866
Net Operating Income-594-2,587-3,299
Net Income-594-2,587-3,299
Ratio Analysis Profitability%%%
Return on Assets *-2.50-7.56-7.59
Operating Return on Assets *-2.50-7.56-7.59
Return on Equity *-111.18-328.09-215.62
Net Interest Margin *3.933.052.64
Fee Income / Assets *0.200.150.15
Overhead / Assets *6.465.944.30
Efficiency Ratio155.741269.38220.05
Asset Quality%%%
Nonperforming Assets / Assets11.3619.6115.96
Nonperforming Assets / Equity & Loss Reserves161.29220.32382.72
Loss Reserves / Nonperforming Loans211.759.662.45
1-4 Fam Mtg + MBS / Assets0.000.000.00
Commercial Real Estate Loans / Assets52.7052.0146.19
Construction Loans / Assets1.976.388.54
Commercial & Industrial Loans / Assets10.2811.819.65
Consumer Loans / Assets1.550.090.12
Capitalization%%%
Equity / Assets1.932.702.59
Tangible Capital / Tangible Assets1.932.702.59
Risk-based Capital Ratio4.095.225.20
Liquidity%%%
Loans / Deposits62.7166.3966.46
Non-Interest Bearing Deposits / Deposits13.3017.2319.34
Purchased Liabilities6.4866.9964.59

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.43%
1 yr CD
0.62% 0.63%
5 yr CD
1.22% 1.24%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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