Premier Service Bank

Premier Service Bank is headquartered in Riverside and is the 186^th largest bank in the state of California. It is also the 4,147^th largest bank in the nation. It was established in 2001 and as of December of 2012, it had grown to 32 employees at 3 locations. Premier Service Bank has a 3-star health rating.

Premier Service Bank Routing Number: 122243240

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Data for Q4 2012

Institution Statistics Premier Service Bank FDIC Certificate # 57059 BankRate Report View Year Established 2001 Employees 32 Primary Regulator FDIC Assets and Liabilities Assets $132.02 million Loans $80.08 million Deposits $109.28 million Equity Capital $10.80 million Loan Loss Allowance $2.73 million Unbacked Noncurrent Loans $3.49 million Real Estate Owned $2.60 million Historic Data - December 2011 Assets $141.26 million Equity Capital $10.69 million Loan Loss Allowance $2.36 million Unbacked Noncurrent Loans $8.93 million Real Estate Owned $2.93 million Profit Margin - Quarterly Net Interest Margin 4.78% Return on Assets 0.11% Return on Equity 1.44% Interest Income $6.60 million

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 December 31, 2012 Premier Service Bank had $6.08 million in non-current loans and owned real-estate with $13.53 million in equity and loan loss allowances on hand to cover it. This gives Premier Service Bank a Texas Ratio of 44.93% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Premier Service Bank decreased significantly from 90.88% as of December 31, 2011 to 44.93% as of December 31, 2012, resulting in a positive change of 50.56%.This indicates that the balance sheet and financial strength for Premier Service Bank has improved significantly in recent periods. Deposit Growth In the past year, Premier Service Bank has decreased its total deposits by -$2.48 million, resulting in -2.22% 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 Service Bank 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 Service Bank has $132.02 million in assets with $13.53 million in equity, resulting in a capitalization level of 10.25%, which is above average.

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