Institution Statistics
| Premier Bank | | FDIC Certificate # | 34849 | | BankRate Report | View | | Year Established | 1998 | | Employees | 63 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $259.89 million | | Loans | $158.87 million | | Deposits | $194.16 million | | Equity Capital | $23.62 million | | Loan Loss Allowance | $2.56 million | | Unbacked Noncurrent Loans | $3.73 million | | Real Estate Owned | $2.77 million |
Historic Data - March 2011 | | Assets | $279.34 million | | Equity Capital | $23.19 million | | Loan Loss Allowance | $2.99 million | | Unbacked Noncurrent Loans | $231,000 | | Real Estate Owned | $8.37 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.71% | | Return on Assets | 0.7% | | Return on Equity | 7.93% | | Interest Income | $2.83 million |
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Institution Health
Overall Score:
3 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Premier Bank (34849) had $6.5 million in non-current loans and owned real-estate with $26.18 million in equity and loan loss allowances on hand to cover it. This gives Premier Bank (34849) a Texas Ratio of 24.82% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Premier Bank (34849) decreased slightly from 32.84% as of March 31, 2011 to 24.82% as of March 31, 2012, resulting in a positive change of 24.41%.This indicates that the balance sheet and financial strength for Premier Bank (34849) has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Premier Bank (34849) has decreased its total deposits by -$2.81 million, resulting in -1.43% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Premier Bank (34849) has shown is below average. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Premier Bank (34849) has $259.89 million in assets with $26.18 million in equity, resulting in a capitalization level of 10.07%, which is above average. |
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