Institution Statistics
| Premier Community Bank | | FDIC Certificate # | 15799 | | BankRate Report | View | | Year Established | 1941 | | Employees | 63 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $199.88 million | | Loans | $135.02 million | | Deposits | $162.99 million | | Equity Capital | $21.95 million | | Loan Loss Allowance | $2.83 million | | Unbacked Noncurrent Loans | $3.04 million | | Real Estate Owned | $510,000 |
Historic Data - September 2010 | | Assets | $200.14 million | | Equity Capital | $21.01 million | | Loan Loss Allowance | $2.60 million | | Unbacked Noncurrent Loans | $2.66 million | | Real Estate Owned | $460,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.03% | | Return on Assets | 0.66% | | Return on Equity | 6.11% | | Interest Income | $7.08 million |
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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 September 30, 2011 Premier Community Bank had $3.55 million in non-current loans and owned real-estate with $24.78 million in equity and loan loss allowances on hand to cover it. This gives Premier Community Bank a Texas Ratio of 14.32% 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 Community Bank held steady from 13.23% as of September 30, 2010 to 14.32% as of September 30, 2011, resulting in a negative change of 8.27%. This indicates that the balance sheet and financial strength for Premier Community Bank has held steady in recent periods. | | Deposit Growth | | | In the past year, Premier Community Bank has increased its total deposits by $128,000, resulting in 0.08% 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 Community Bank has shown is 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 Community Bank has $199.88 million in assets with $24.78 million in equity, resulting in a capitalization level of 12.40%, which is excellent. |
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