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Commerce Bank of Folsom

Folsom, CA · Cert 58438

FDIC · 3 branches

Q3 2016

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 2016, the quarter ended September 30, 2016, 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 Bank of Folsom

Folsom, CA · Cert 58438

FDIC · 3 branches

Q3 2016

$155.3MAssets
$125.1MLoans
$138.2MDeposits
$16.2MEquity
Loan mix
89%RE $69.6M11%C&I $8.6M0%Consumer $0.3MQ3 2015Q3 2016
Deposit mix
59%Interest-bearing $82.2M41%Noninterest $56.0MQ3 2015Q3 2016

NIM

4.21%Q3 ’144.00%Q3 ’154.36%Q3 ’16-3%+10%

Non-interest income vs. expense

3.54%Q3 ’143.39%Q3 ’157.04%Q3 ’16-4%+125%

Market Position · Sacramento--Roseville--Arden-Arcade, CA · 2016 SOD (annual) · 0.3% share · #29 of 41 inst. · $0.1B of $48.9B

0.3% Sacramento
1.3% El Dorado

Executive Summary

  • Earnings: ROA of -1.85%, down 226 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 8.56%, down 155 bps from a year ago.
  • Funding: loans stand at 90.50% of deposits as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-1.85%-226 bps YoY

Net Interest Margin (YTD, annualized)

4.19%+37 bps YoY

Efficiency Ratio (YTD, annualized)

161.98%+7,919 bps YoY

Tier 1 Leverage Ratio

8.56%-155 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.41%0.52%0.31%0.32%-1.85%-226 bps
Return on Equity3.27%4.24%2.65%2.75%-16.40%-1,966 bps
Net Interest Margin3.82%3.78%4.11%4.17%4.19%+37 bps
Efficiency Ratio82.79%79.29%84.18%86.11%161.98%+7,919 bps
Non-Interest Burden3.03%2.87%3.36%3.49%6.81%+378 bps
Growth
Asset Growth (YoY)22.29%27.31%14.02%11.51%4.63%-1,766 bps
Loan Growth (YoY)31.11%32.87%30.22%21.40%10.94%-2,017 bps
Deposit Growth (YoY)22.68%28.77%13.18%7.73%8.86%-1,382 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.09%-0.16%-0.04%-0.02%-0.03%+6 bps
Allowance / Loans1.35%1.43%1.41%1.43%1.40%+5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.11%10.01%9.93%10.00%8.56%-155 bps
Total Risk-Based Capital13.37%13.75%13.55%13.68%11.42%-195 bps
Equity / Assets11.78%11.51%11.56%11.71%10.42%-135 bps
Liquidity & Funding
Loans / Deposits88.80%85.34%88.70%92.10%90.50%+170 bps
Liquid Assets / Assets0.23%0.12%0.40%0.27%0.21%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a