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Commerce National Bank

Fullerton, CA · Cert 57566

FDIC

Q3 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2013, the quarter ended September 30, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Commerce National Bank

Fullerton, CA · Cert 57566

FDIC

Q3 2013

$244.8MAssets
$164.3MLoans
$189.4MDeposits
$28.9MEquity
Loan mix
64%RE $55.4M31%C&I $26.8M5%Consumer $4.0MQ3 2012Q3 2013
Deposit mix
68%Interest-bearing $129.7M32%Noninterest $59.7MQ3 2012Q3 2013

NIM

4.25%Q3 ’114.43%Q3 ’123.98%Q3 ’13+8%-10%

Non-interest income vs. expense

3.44%Q3 ’113.80%Q3 ’123.91%Q3 ’13+29%+9%

Executive Summary

  • Earnings: ROA of 0.15%, down 48 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.12%.
  • Funding: loans stand at 86.74% of deposits as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

0.15%-48 bps YoY

Net Interest Margin (YTD, annualized)

3.62%-42 bps YoY

Efficiency Ratio (YTD, annualized)

93.67%+1,379 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets0.63%0.74%0.37%0.27%0.15%-48 bps
Return on Equity5.23%6.10%2.99%2.22%1.27%-396 bps
Net Interest Margin4.04%3.89%3.55%3.62%3.62%-42 bps
Efficiency Ratio79.88%78.54%85.47%88.96%93.67%+1,379 bps
Non-Interest Burden3.09%2.89%2.92%3.15%3.36%+27 bps
Growth
Asset Growth (YoY)-0.33%4.92%3.00%-2.65%1.29%+162 bps
Loan Growth (YoY)-0.43%1.16%-1.13%-4.37%9.50%+993 bps
Deposit Growth (YoY)-1.68%4.75%2.96%-2.55%-9.73%-805 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.73%0.55%0.10%0.05%0.12%-60 bps
Allowance / Loans2.94%2.88%2.97%2.98%2.58%-36 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital18.84%19.40%19.73%19.79%18.06%-79 bps
Equity / Assets12.22%12.10%12.41%12.38%11.81%-41 bps
Liquidity & Funding
Loans / Deposits71.50%70.41%69.21%71.30%86.74%+1,523 bps
Liquid Assets / Assets6.10%4.24%4.72%3.68%1.24%-485 bps
CRE / Total Capitaln/an/an/an/an/an/an/a