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Premier Commercial Bank

Greensboro, NC · Cert 58754

FDIC · 1 branch

Q4 2014

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 2014, the quarter ended December 31, 2014, 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 Commercial Bank

Greensboro, NC · Cert 58754

FDIC · 1 branch

Q4 2014

$168.7MAssets
$102.8MLoans
$130.4MDeposits
$17.8MEquity
Loan mix
82%RE $64.6M16%C&I $12.4M2%Consumer $1.8MQ4 2013Q4 2014
Deposit mix
83%Interest-bearing $108.6M17%Noninterest $21.8MQ4 2013Q4 2014

NIM

3.47%Q4 ’123.54%Q4 ’133.33%Q4 ’14+4%-3%

Non-interest income vs. expense

3.60%Q4 ’124.00%Q4 ’134.26%Q4 ’14-4%+8%

Market Position · Greensboro-High Point, NC · 2014 SOD (annual) · 1.2% share · #16 of 24 inst. · $0.1B of $11.0B

Executive Summary

  • Earnings: ROA of 0.05%, down 150 bps year over year; NIM at 2.58%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 78.82% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

0.05%-150 bps YoY

Net Interest Margin (YTD, annualized)

2.58%-8 bps YoY

Efficiency Ratio (YTD, annualized)

95.38%+562 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets1.55%0.06%0.02%0.12%0.05%-150 bps
Return on Equity16.23%0.59%0.20%1.15%0.47%-1,576 bps
Net Interest Margin2.66%2.67%2.63%2.54%2.58%-8 bps
Efficiency Ratio89.77%97.17%99.14%94.92%95.38%+562 bps
Non-Interest Burden2.21%2.55%2.60%2.32%2.37%+17 bps
Growth
Asset Growth (YoY)13.24%4.41%8.41%8.32%-6.31%-1,955 bps
Loan Growth (YoY)-6.70%-6.00%-1.27%2.95%7.13%+1,383 bps
Deposit Growth (YoY)19.00%3.09%7.94%7.25%-9.24%-2,825 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.04%0.00%0.00%0.12%0.09%+13 bps
Allowance / Loans1.47%1.46%1.35%1.28%1.29%-18 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 Capital16.21%16.30%15.89%15.78%15.79%-42 bps
Equity / Assets9.38%10.35%10.13%10.22%10.53%+115 bps
Liquidity & Funding
Loans / Deposits66.78%75.95%78.88%77.55%78.82%+1,205 bps
Liquid Assets / Assets14.89%7.39%5.93%6.33%5.58%-931 bps
CRE / Total Capitaln/an/an/an/an/an/an/a