Premier Commercial Bank Arizona, National Association

Mesa, AZ · Cert 58399

FDIC

Q3 2009

$40.3MAssets

$23.7MLoans

$41.3MDeposits

$-1336KEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of -31.94%, down 2,432 bps year over year; NIM at 1.28%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 11.24%.
Funding: loans stand at 57.44% of deposits as of Q3 2009.

Return on Assets (quarter, annualized)

-31.94%-2,432 bps YoY

Net Interest Margin (quarter, annualized)

1.28%-150 bps YoY

Efficiency Ratio (quarter, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q3 2008	Q4 2008	Q1 2009	Q2 2009	Q3 2009	YoY Δ	Trend
Earnings
Return on Assets	-7.62%	-44.33%	-15.39%	-3.95%	-31.94%	-2,432 bps
Return on Equity	-35.87%	-321%	-212%	-77.76%	-4177%	-414,107 bps
Net Interest Margin	2.78%	1.23%	0.98%	1.35%	1.28%	-150 bps
Efficiency Ratio	219%	368%	311%	170.14%	n/a	n/a
Non-Interest Burden	9.65%	35.46%	7.57%	5.09%	23.08%	+1,343 bps
Growth
Asset Growth (YoY)	178.19%	61.91%	30.28%	4.51%	-18.58%	-19,677 bps
Loan Growth (YoY)	188.25%	47.63%	9.75%	-12.10%	-27.31%	-21,556 bps
Deposit Growth (YoY)	684%	148.39%	86.27%	44.25%	11.97%	-67,172 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.83%	1.79%	5.03%	7.67%	11.24%	+1,041 bps
Allowance / Loans	2.06%	3.78%	6.46%	5.30%	7.16%	+510 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	15.40%	11.67%	7.98%	7.08%	-4.34%	-1,974 bps
Equity / Assets	18.48%	8.85%	5.53%	4.63%	-3.32%	-2,180 bps
Liquidity & Funding
Loans / Deposits	88.48%	76.15%	71.22%	65.04%	57.44%	-3,104 bps
Liquid Assets / Assets	0.00%	6.76%	6.93%	7.05%	7.45%	+745 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a