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Premier Bank

Doylestown, PA · Cert 33581

FDIC

Q3 2006

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 2006, the quarter ended September 30, 2006, 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

Premier Bank

Doylestown, PA · Cert 33581

FDIC

Q3 2006

$544.7MAssets
$377.5MLoans
$344.0MDeposits
$87.4MEquity
Loan mix
76%RE $89.9M24%C&I $28.0M0%Consumer $0.2MQ3 2005Q3 2006
Deposit mix
89%Interest-bearing $304.7M11%Noninterest $39.3MQ3 2005Q3 2006

NIM

4.62%Q3 ’045.14%Q3 ’055.42%Q3 ’06+3%-15%

Non-interest income vs. expense

2.17%Q3 ’042.30%Q3 ’052.35%Q3 ’06+7%+2%

Executive Summary

  • Earnings: ROA of 0.60%, down 40 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Funding: loans stand at 109.72% of deposits as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

0.60%-40 bps YoY

Net Interest Margin (YTD, annualized)

3.00%-54 bps YoY

Efficiency Ratio (YTD, annualized)

67.79%+1,146 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets1.00%0.95%0.78%0.67%0.60%-40 bps
Return on Equity5.30%5.16%4.79%4.10%3.70%-160 bps
Net Interest Margin3.54%3.50%3.15%3.08%3.00%-54 bps
Efficiency Ratio56.32%57.52%60.79%65.43%67.79%+1,146 bps
Non-Interest Burden2.10%2.12%2.00%2.11%2.13%+3 bps
Growth
Asset Growth (YoY)0.16%2.87%2.46%1.23%4.38%+422 bps
Loan Growth (YoY)6.64%9.63%12.56%9.66%9.78%+314 bps
Deposit Growth (YoY)-1.46%-2.07%0.81%1.97%2.80%+426 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.08%-0.05%-0.07%-0.03%-0.02%+6 bps
Allowance / Loans1.41%1.33%1.33%1.32%1.29%-12 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 Capital13.78%11.28%11.36%11.32%11.34%-244 bps
Equity / Assets19.14%16.32%16.31%16.24%16.05%-308 bps
Liquidity & Funding
Loans / Deposits102.74%107.55%110.09%107.22%109.72%+698 bps
Liquid Assets / Assets0.01%0.12%0.06%0.00%0.13%+11 bps
CRE / Total Capitaln/an/an/an/an/an/an/a