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Premier Bank

Wilmette, IL · Cert 35419

FDIC

Q4 2011

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: Q4 2011, the quarter ended December 31, 2011, 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

Wilmette, IL · Cert 35419

FDIC

Q4 2011

$268.7MAssets
$157.0MLoans
$199.0MDeposits
$5.5MEquity
Loan mix
65%RE $73.5M34%C&I $38.4M0%Consumer $0.4MQ4 2010Q4 2011
Deposit mix
95%Interest-bearing $188.6M5%Noninterest $10.4MQ4 2010Q4 2011

NIM

5.41%Q4 ’094.83%Q4 ’103.84%Q4 ’11-15%-25%

Non-interest income vs. expense

1.39%Q4 ’092.14%Q4 ’102.65%Q4 ’11+67%+60%

Executive Summary

  • Earnings: ROA of -3.21%, up 65 bps year over year; NIM at 1.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
  • Funding: loans stand at 78.89% of deposits as of Q4 2011.

Financial Results

Return on Assets (YTD, annualized)

-3.21%+65 bps YoY

Net Interest Margin (YTD, annualized)

1.38%-47 bps YoY

Efficiency Ratio (YTD, annualized)

208%+11,382 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets-3.86%0.02%10.02%1-2.45%-3.21%+65 bps
Return on Equity-58.35%0.48%0.38%-61.15%-88.27%-2,992 bps
Net Interest Margin1.85%1.51%1.67%1.36%1.38%-47 bps
Efficiency Ratio94.47%108.81%104.08%145.35%208%+11,382 bps
Non-Interest Burden1.72%1.65%1.74%2.02%2.76%+104 bps
Growth
Asset Growth (YoY)-17.18%-14.56%-12.47%-13.58%-7.43%+975 bps
Loan Growth (YoY)-9.31%-9.05%-9.66%-17.21%-13.44%-413 bps
Deposit Growth (YoY)-10.97%-4.46%-1.90%-5.82%-4.31%+665 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans5.98%-0.91%-0.53%0.09%0.07%-591 bps
Allowance / Loans3.35%3.66%3.76%6.36%7.70%+435 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 Capital7.54%7.63%7.93%5.68%3.62%-391 bps
Equity / Assets3.95%4.06%4.44%3.55%2.05%-190 bps
Liquidity & Funding
Loans / Deposits87.21%83.65%81.08%78.31%78.89%-832 bps
Liquid Assets / Assets2.73%2.48%2.45%2.13%1.08%-164 bps
CRE / Total Capitaln/an/an/an/an/an/an/a