PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Premier Bank Inc.

Wytheville, VA · Cert 9512

FDIC

Q2 1997

$235.5MAssets
$168.8MLoans
$199.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.66%, up 12 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 84.80% of deposits as of Q2 1997.

Return on Assets (YTD, annualized)

1.66%+12 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997YoY ΔTrend
Earnings
Return on Assets1.41%1.46%1.47%1.55%1.58%1.52%1.64%1.66%+12 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)23.88%26.35%30.18%-0.34%-2.30%-2.94%-4.87%-5.27%-494 bps
Loan Growth (YoY)22.95%31.01%35.47%30.10%32.84%27.51%25.08%14.18%-1,592 bps
Deposit Growth (YoY)26.24%28.28%34.58%-1.75%-1.73%-0.38%-2.83%-4.11%-236 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits56.83%63.03%65.08%71.21%76.82%80.68%83.78%84.80%+1,358 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a