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 0.80%, up 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 0.00%.
  • Funding: loans stand at 73.08% of deposits as of Q2 2009.

Return on Assets (YTD, annualized)

0.80%+48 bps YoY

Net Interest Margin (YTD, annualized)

3.62%+8 bps YoY

Efficiency Ratio (YTD, annualized)

69.22%-1,371 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.86%Q2 ’076.56%Q2 ’085.85%Q2 ’09-5%+2%

Non-interest income vs. expense

3.91%Q2 ’072.95%Q2 ’082.53%Q2 ’09-24%-15%

Year to date, annualized, through each quarter.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets0.12%0.20%0.08%10.32%10.52%10.58%0.83%0.80%+48 bps
Return on Equity0.70%1.24%0.65%2.58%4.34%5.05%8.07%7.60%+502 bps
Net Interest Margin3.44%3.26%3.63%3.54%3.46%3.33%3.45%3.62%+8 bps
Efficiency Ratio94.44%88.28%88.62%82.92%78.20%75.64%63.76%69.22%-1,371 bps
Non-Interest Burden3.25%2.87%3.21%2.93%2.70%2.51%2.19%2.50%-43 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