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Premier American Bank

Miami, FL · Cert 57147

FDIC

Q4 2009

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 2009, the quarter ended December 31, 2009, 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 American Bank

Miami, FL · Cert 57147

FDIC

Q4 2009

$299.2MAssets
$280.5MLoans
$285.6MDeposits
$24KEquity
Loan mix
86%RE $191.6M14%C&I $31.7M0%Consumer $0.7MQ4 2008Q4 2009
Deposit mix
91%Interest-bearing $260.3M9%Noninterest $25.2MQ4 2008Q4 2009

NIM

8.10%Q4 ’076.31%Q4 ’084.45%Q4 ’09-29%-46%

Non-interest income vs. expense

2.85%Q4 ’073.14%Q4 ’084.29%Q4 ’09+9%+46%

Executive Summary

  • Earnings: ROA of -5.86%, down 403 bps year over year; NIM at 1.65%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.82%.
  • Funding: loans stand at 98.24% of deposits as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-5.86%-403 bps YoY

Net Interest Margin (YTD, annualized)

1.65%-141 bps YoY

Efficiency Ratio (YTD, annualized)

220%+12,922 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets-1.83%-3.08%-3.37%-5.51%-5.86%-403 bps
Return on Equity-23.83%-50.35%-62.25%-121.49%-154.62%-13,079 bps
Net Interest Margin3.06%1.61%1.27%1.35%1.65%-141 bps
Efficiency Ratio90.38%150.45%168.16%229%220%+12,922 bps
Non-Interest Burden2.73%2.59%2.32%3.44%3.99%+126 bps
Growth
Asset Growth (YoY)-8.52%-6.20%-1.07%-9.25%-20.31%-1,178 bps
Loan Growth (YoY)-6.59%-7.05%-8.99%-9.40%-14.01%-742 bps
Deposit Growth (YoY)-6.54%-0.57%3.23%0.26%-10.26%-372 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.36%0.07%0.00%2.20%3.82%+146 bps
Allowance / Loans2.97%4.30%5.13%5.43%5.28%+231 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 Capital12.82%10.97%9.45%3.92%0.00%-1,282 bps
Equity / Assets6.86%5.39%4.12%1.60%0.01%-685 bps
Liquidity & Funding
Loans / Deposits102.52%98.10%87.86%93.09%98.24%-428 bps
Liquid Assets / Assets6.09%13.01%21.34%5.65%0.49%-560 bps
CRE / Total Capitaln/an/an/an/an/an/an/a