PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Commerce Bank of Wyoming, National Association

Rock Springs, WY · Cert 58369

FDIC

Q2 2009

$66.2MAssets
$42.7MLoans
$58.5MDeposits
$7.4MEquity
Loan mix
75%RE $19.3M25%C&I $6.5M0%Consumer $0.0MQ3 2007Q2 2009
Deposit mix
84%Interest-bearing $49.3M16%Noninterest $9.1MQ3 2007Q2 2009

Executive Summary

  • Earnings: ROA of 0.76%, up 22 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 73.08% of deposits as of Q2 2009.

Return on Assets (quarter, annualized)

0.76%+22 bps YoY

Net Interest Margin (quarter, annualized)

3.74%-4 bps YoY

Efficiency Ratio (quarter, annualized)

74.34%-358 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.19%Q2 ’076.68%Q2 ’085.80%Q2 ’09-5%-1%

Non-interest income vs. expense

3.79%Q2 ’072.96%Q2 ’082.80%Q2 ’09-21%-6%

Discrete quarter, annualized.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets0.45%0.36%0.08%10.54%0.87%0.76%0.83%0.76%+22 bps
Return on Equity3.14%2.82%0.65%4.50%7.88%7.18%8.07%7.14%+264 bps
Net Interest Margin4.31%3.80%3.63%3.78%3.98%3.69%3.45%3.74%-4 bps
Efficiency Ratio81.42%73.19%88.62%77.93%70.61%68.97%63.76%74.34%-358 bps
Non-Interest Burden3.50%2.78%3.21%2.94%2.80%2.53%2.19%2.77%-17 bps
Growth
Asset Growth (YoY)197.98%87.82%56.49%53.00%22.57%32.67%34.48%13.13%-3,988 bps
Loan Growth (YoY)209%118.64%92.19%56.88%34.95%39.75%24.03%12.91%-4,397 bps
Deposit Growth (YoY)286%113.59%69.22%65.65%25.33%36.92%38.79%13.39%-5,226 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.81%0.91%1.34%1.27%1.16%1.14%1.26%1.31%+4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital18.58%18.01%17.86%16.28%15.15%14.73%13.23%13.38%-290 bps
Equity / Assets12.74%13.01%12.82%11.44%10.72%10.37%10.16%11.21%-23 bps
Liquidity & Funding
Loans / Deposits71.37%77.19%77.82%73.39%76.85%78.79%69.54%73.08%-31 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.06%8.58%1.96%+196 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a