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Premier Bank

Jefferson City, MO · Cert 34016

FDIC

Q3 2010

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 2010, the quarter ended September 30, 2010, 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

Jefferson City, MO · Cert 34016

FDIC

Q3 2010

$989.4MAssets
$688.1MLoans
$869.4MDeposits
$10.6MEquity
Loan mix
95%RE $528.4M5%C&I $29.3M0%Consumer $0.1MQ3 2009Q3 2010
Deposit mix
97%Interest-bearing $840.5M3%Noninterest $28.9MQ3 2009Q3 2010

NIM

5.95%Q3 ’084.37%Q3 ’093.86%Q3 ’10-46%+5%

Non-interest income vs. expense

2.24%Q3 ’082.75%Q3 ’092.95%Q3 ’10+18%+42%

Executive Summary

  • Earnings: ROA of -3.82%, up 85 bps year over year; NIM at 1.52%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 6.93%.
  • Funding: loans stand at 79.15% of deposits as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

-3.82%+85 bps YoY

Net Interest Margin (YTD, annualized)

1.52%+7 bps YoY

Efficiency Ratio (YTD, annualized)

268%+11,734 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets-4.67%-5.58%-2.98%-4.09%-3.82%+85 bps
Return on Equity-70.72%-92.22%-94.89%-154.43%-164.93%-9,421 bps
Net Interest Margin1.45%1.59%1.53%1.53%1.52%+7 bps
Efficiency Ratio150.49%153.17%369%561%268%+11,734 bps
Non-Interest Burden2.38%2.68%3.40%3.73%3.37%+99 bps
Growth
Asset Growth (YoY)-8.12%-17.55%-17.09%-19.52%-28.20%-2,009 bps
Loan Growth (YoY)-18.21%-20.37%-21.78%-25.23%-33.48%-1,527 bps
Deposit Growth (YoY)-9.24%-13.12%-12.86%-14.74%-23.52%-1,428 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.24%2.97%7.41%8.13%6.93%+369 bps
Allowance / Loans4.69%7.61%6.62%6.43%8.45%+377 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 Capital7.49%5.45%4.65%3.20%2.37%-512 bps
Equity / Assets5.22%3.49%2.79%1.61%1.07%-415 bps
Liquidity & Funding
Loans / Deposits91.00%90.75%85.12%79.98%79.15%-1,185 bps
Liquid Assets / Assets5.11%2.50%5.45%4.21%4.84%-27 bps
CRE / Total Capitaln/an/an/an/an/an/an/a