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Premier Commercial Bank, National Association

Anaheim, CA · Cert 57231

FDIC

Q2 2012

$413.9MAssets
$298.4MLoans
$358.0MDeposits
$46.0MEquity
Loan mix
80%RE $137.6M20%C&I $33.7M0%Consumer $0.6MQ2 2011Q2 2012
Deposit mix
72%Interest-bearing $259.0M28%Noninterest $99.0MQ2 2011Q2 2012

NIM

4.87%Q2 ’103.90%Q2 ’113.82%Q2 ’12-19%+8%

Non-interest income vs. expense

2.92%Q2 ’103.24%Q2 ’112.70%Q2 ’12-38%+16%

Executive Summary

  • Earnings: ROA of 0.70%, up 13 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.17%.
  • Funding: loans stand at 83.34% of deposits as of Q2 2012.

Financial Results

Return on Assets (quarter, annualized)

0.70%+13 bps YoY

Net Interest Margin (quarter, annualized)

3.08%+22 bps YoY

Efficiency Ratio (quarter, annualized)

67.68%-350 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets0.56%0.22%0.19%0.41%0.70%+13 bps
Return on Equity6.29%2.22%1.86%4.58%7.44%+115 bps
Net Interest Margin2.86%2.89%2.74%2.98%3.08%+22 bps
Efficiency Ratio71.18%63.05%80.41%67.00%67.68%-350 bps
Non-Interest Burden1.54%1.71%2.06%1.81%1.79%+25 bps
Growth
Asset Growth (YoY)22.31%4.71%3.30%7.51%-8.17%-3,048 bps
Loan Growth (YoY)-5.53%-3.90%-0.33%-0.67%-3.41%+212 bps
Deposit Growth (YoY)31.92%5.08%5.18%7.58%-10.11%-4,203 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%2.10%0.48%0.30%0.17%+18 bps
Allowance / Loans2.64%2.39%2.44%2.62%2.60%-4 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 Capital13.42%13.28%13.79%14.26%14.74%+131 bps
Equity / Assets9.75%10.03%9.95%8.05%11.12%+137 bps
Liquidity & Funding
Loans / Deposits77.56%79.97%79.49%59.50%83.34%+579 bps
Liquid Assets / Assets3.74%3.80%15.62%35.10%13.45%+972 bps
CRE / Total Capitaln/an/an/an/an/an/an/a