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Premier Bank

Denver, CO · Cert 34112

FDIC · 2 branches

Q2 2015

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: Q2 2015, the quarter ended June 30, 2015, 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 2026-10-10

Premier Bank

Denver, CO · Cert 34112

FDIC · 2 branches

Q2 2015

$26.8MAssets
$13.0MLoans
$25.5MDeposits
$130KEquity
Loan mix
93%RE $7.9M7%C&I $0.6M1%Consumer $0.1MQ2 2014Q2 2015
Deposit mix
74%Interest-bearing $19.0M26%Noninterest $6.5MQ2 2014Q2 2015

NIM

4.08%Q2 ’133.68%Q2 ’143.73%Q2 ’15-12%+1%

Non-interest income vs. expense

5.18%Q2 ’136.26%Q2 ’148.36%Q2 ’15+39%+41%

Market Position · Denver-Aurora-Lakewood, CO · 2015 SOD (annual) · 0.0% share · #56 of 71 inst. · $0.0B of $69.8B

0.0% Denver
0.1% Arapahoe

Executive Summary

  • Earnings: ROA of -3.91%, down 184 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 0.97%.
  • Funding: loans stand at 51.03% of deposits as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

-3.91%-184 bps YoY

Net Interest Margin (YTD, annualized)

3.21%+4 bps YoY

Efficiency Ratio (YTD, annualized)

196.46%+4,848 bps YoY

Tier 1 Leverage Ratio

0.97%

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets-2.08%-2.16%-2.17%-3.93%-3.91%-184 bps
Return on Equity-71.71%-81.50%-85.86%-233%-289%-21,764 bps
Net Interest Margin3.17%2.79%2.90%2.94%3.21%+4 bps
Efficiency Ratio147.99%154.96%154.04%193.95%196.46%+4,848 bps
Non-Interest Burden5.20%4.85%5.09%6.42%7.32%+212 bps
Growth
Asset Growth (YoY)-9.06%1.75%-12.22%-27.93%-37.35%-2,829 bps
Loan Growth (YoY)-15.01%-19.11%-27.99%-30.66%-35.20%-2,019 bps
Deposit Growth (YoY)-10.20%8.35%-8.91%-28.82%-36.98%-2,679 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.94%0.68%0.59%0.00%0.00%-94 bps
Allowance / Loans3.66%3.98%4.47%4.78%5.64%+197 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/a1.64%0.97%n/a
Total Risk-Based Capital7.49%6.74%6.21%4.74%3.33%-416 bps
Equity / Assets2.66%1.93%1.96%1.37%0.49%-218 bps
Liquidity & Funding
Loans / Deposits49.63%42.10%44.93%51.88%51.03%+140 bps
Liquid Assets / Assets26.52%35.86%24.79%30.36%28.68%+215 bps
CRE / Total Capitaln/an/an/an/an/an/an/a