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Premier Bank

Lenexa, KS · Cert 22924

FDIC

Q1 2012

$160.3MAssets
$39.0MLoans
$136.0MDeposits
$18.0MEquity
Loan mix
75%RE $19.9M24%C&I $6.4M1%Consumer $0.3MQ1 2011Q1 2012
Deposit mix
74%Interest-bearing $100.4M26%Noninterest $35.5MQ1 2011Q1 2012

NIM

4.19%Q1 ’103.45%Q1 ’112.91%Q1 ’12-8%-13%

Non-interest income vs. expense

2.80%Q1 ’103.24%Q1 ’113.16%Q1 ’12+7%-3%

Executive Summary

  • Earnings: ROA of 0.64%, up 126 bps year over year; NIM at 2.67%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 2.07%.
  • Funding: loans stand at 28.70% of deposits as of Q1 2012.

Financial Results

Return on Assets (quarter, annualized)

0.64%+126 bps YoY

Net Interest Margin (quarter, annualized)

2.67%-39 bps YoY

Efficiency Ratio (quarter, annualized)

96.54%+819 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets-0.62%-0.53%0.75%-5.91%0.64%+126 bps
Return on Equity-5.27%-4.66%6.47%-51.89%5.77%+1,104 bps
Net Interest Margin3.06%2.82%2.60%2.47%2.67%-39 bps
Efficiency Ratio88.34%124.72%101.17%322%96.54%+819 bps
Non-Interest Burden2.63%3.48%2.64%9.14%2.55%-8 bps
Growth
Asset Growth (YoY)-22.29%-20.33%-12.18%-11.76%-8.23%+1,406 bps
Loan Growth (YoY)-31.79%-37.67%-44.80%-45.13%-45.97%-1,418 bps
Deposit Growth (YoY)-20.56%-18.81%-8.66%-12.61%-6.60%+1,396 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.30%3.45%-0.84%0.09%-2.07%-437 bps
Allowance / Loans2.90%2.55%2.79%2.91%3.43%+53 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 Capital22.69%22.45%26.40%25.99%25.49%+280 bps
Equity / Assets11.46%11.21%11.85%10.92%11.25%-22 bps
Liquidity & Funding
Loans / Deposits49.61%44.44%34.39%35.67%28.70%-2,091 bps
Liquid Assets / Assets0.04%1.29%2.41%20.30%4.39%+435 bps
CRE / Total Capitaln/an/an/an/an/an/an/a