Institution Statistics
| Premier Commercial Bank | | FDIC Certificate # | 58754 | | BankRate Report | View | | Year Established | 2008 | | Employees | 33 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $135.03 million | | Loans | $81.14 million | | Deposits | $100.30 million | | Equity Capital | $14.96 million | | Loan Loss Allowance | $1.17 million | | Unbacked Noncurrent Loans | $41,000 |
Historic Data - March 2011 | | Assets | $111.14 million | | Equity Capital | $14.93 million | | Loan Loss Allowance | $962,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.84% | | Return on Assets | -0.45% | | Return on Equity | -4.01% | | Interest Income | $1.26 million |
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Institution Health
Overall Score:
5 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 Commercial Bank had $41,000 in non-current loans and owned real-estate with $16.13 million in equity and loan loss allowances on hand to cover it. This gives Premier Commercial Bank a Texas Ratio of 0.25% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Premier Commercial Bank has increased its total deposits by $16.66 million, resulting in 19.92% 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 Commercial Bank has shown is excellent. | | 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 Commercial Bank has $135.03 million in assets with $16.13 million in equity, resulting in a capitalization level of 11.94%, which is above average. |
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