PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Commercebank Trust Company, National Association

Coral Gables, FL · Cert 57852

FDIC

Q1 2021

$9.2MAssets
n/aLoans
n/aDeposits
$9.1MEquity

Executive Summary

  • Earnings: ROA of 3.16%, down 101 bps year over year; NIM at 1.01%.
  • Capital: tier 1 leverage ratio of 99.89%, up 556 bps from a year ago.

Return on Assets (YTD, annualized)

3.16%-101 bps YoY

Net Interest Margin (YTD, annualized)

1.01%-70 bps YoY

Efficiency Ratio (YTD, annualized)

82.65%+280 bps YoY

Tier 1 Leverage Ratio

99.89%+556 bps YoY

NIM

2.21%Q1 ’191.71%Q1 ’201.01%Q1 ’21-22%-41%

Non-interest income vs. expense

28.24%Q1 ’1923.45%Q1 ’2022.26%Q1 ’21-111%+13%

Year to date, annualized, through each quarter.

MetricQ2 2019Q3 2019Q4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets3.75%3.72%1.83%4.17%0.09%11.80%3.05%3.16%-101 bps
Return on Equity3.83%3.81%1.89%4.42%0.09%1.90%3.20%3.20%-122 bps
Net Interest Margin2.13%2.01%1.99%1.71%1.91%1.83%1.66%1.01%-70 bps
Efficiency Ratio82.42%82.81%90.45%79.85%98.71%91.50%85.22%82.65%+280 bps
Non-Interest Burden-3.26%-3.22%-0.91%-4.20%1.53%-0.76%-2.71%-3.66%+54 bps
Growth
Asset Growth (YoY)2.86%3.49%7.49%6.98%5.74%2.38%0.12%-1.69%-867 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio94.63%94.76%95.31%94.33%93.57%96.74%97.69%99.89%+556 bps
Total Risk-Based Capital193.31%203%177.11%148.67%164.94%176.99%198.50%225%+7,681 bps
Equity / Assets97.51%97.30%94.58%93.94%93.57%96.55%98.53%98.95%+501 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets18.11%24.66%20.74%11.09%19.72%27.50%36.02%45.36%+3,427 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a