Premier Bank & Trust, National Association

Premier Bank & Trust, National Association is headquartered in North Canton and is the 104^th largest bank in the state of Ohio. It is also the 3,718^st largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 53 employees at 5 locations. Premier Bank & Trust, National Association has a 4-star health rating.

Data for Q1 2012

Institution Statistics Premier Bank & Trust, National Association FDIC Certificate # 35385 BankRate Report View Year Established 2000 Employees 53 Primary Regulator OCC Assets and Liabilities Assets $158.76 million Loans $115.32 million Deposits $112.95 million Equity Capital $18.40 million Loan Loss Allowance $2.42 million Unbacked Noncurrent Loans $1.75 million Real Estate Owned $635,000 Historic Data - March 2011 Assets $168.15 million Equity Capital $16.07 million Loan Loss Allowance $3.11 million Unbacked Noncurrent Loans $3.53 million Real Estate Owned $947,000 Profit Margin - Quarterly Net Interest Margin 3.53% Return on Assets -0.53% Return on Equity -4.42% Interest Income $1.44 million

Institution Health Overall Score: 4 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 & Trust, National Association had $2.38 million in non-current loans and owned real-estate with $20.82 million in equity and loan loss allowances on hand to cover it. This gives Premier Bank & Trust, National Association a Texas Ratio of 11.43% which is above 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 & Trust, National Association decreased significantly from 23.36% as of March 31, 2011 to 11.43% as of March 31, 2012, resulting in a positive change of 51.06%.This indicates that the balance sheet and financial strength for Premier Bank & Trust, National Association has improved significantly in recent periods. Deposit Growth In the past year, Premier Bank & Trust, National Association has decreased its total deposits by -$32.64 million, resulting in -22.42% 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 & Trust, National Association has shown is poor. 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 & Trust, National Association has $158.76 million in assets with $20.82 million in equity, resulting in a capitalization level of 13.11%, which is excellent.

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