Premier Bank & Trust, National Association in North Canton, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


Premier Bank & Trust, National Association - Overview

  • General
  • FDIC Certificate #: 35385
    Status: Active
    Federal Reserve ID: 2873075
    Bank Holding Company (Regulatory Top Holder): Excel Bancorp, Llc (RSSDID: 4028730, Location: Saint Clairsville, OH)
    Date Established: October 03, 2000
    WWW: http://www.mypbandtbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 78853
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 03, 2000
    Last Structure Change Effective Date: April 20, 2010
    Last Structure Change Process Date: September 23, 2010
    Last Data Update: September 23, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 600 N Main Street, North Canton, OH 44720
    County: Stark
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Canton-Massillon, OH (#1320)
    Core Based Statistical Area (CBSA): Canton-Massillon, OH (#15940)
    CBSA Metro Statistical Area: Canton-Massillon, OH (#15940)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $146.7 mil
    Equity capital: $18.7 mil
    Deposits held in domestic offices: $104.2 mil
    Return on assets (ROA): 1.18% ($1.7 mil)
    Quarterly return on assets: 7.06% ($10.4 mil)
    Return on Equity (ROE): 11.97% ($2.3 mil)
    Quarterly return on equity: 68.11% ($12.9 mil)
    Net income: $2.0 mil
    Quarterly Net income: $2.9 mil
    Pretax return on assets: 1.18% ($1,731.0 mil)
    Quarterly Pretax return on assets: 7.06% ($10,356.7 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 49Total employees (full-time equivalent)
  • $146,696Total assets
  • $20,146Cash and due from depository institutions
  • $19,367Interest-bearing balances
  • $10,678Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $109,273Net loans & leases
  • $2,384Loan loss allowance
  • $0Trading account assets
  • $2,441Bank premises and fixed assets
  • $757Other real estate owned
  • $0Goodwill and other intangibles
  • $146,696Life insurance assets
  • $3,401All other assets
  • $128,038Total liabilities and capital
  • $104,208Total liabilities
  • $82,946Total deposits
  • $104,208Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 4214.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $19,000Trading liabilities
  • $0Other borrowed funds
  • $616Subordinated debt
  • $18,658All other liabilities
  • $18,658Total equity capital
  • $18,658Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $31,339Surplus
  • $-13,681Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $896Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,344Income earned, not collected on loans
  • $0Earning assets
  • $340Long-term assets (5+ years)
  • $139,318Average Assets, year-to-date
  • $19,499Average Assets, quarterly
  • $169,255Volatile liabilities
  • $166,137Insider loans
  • $110,610FHLB advances
  • $149,133Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,206Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $36,865Restructured Loans and leases
  • $7,030Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,155Total interest income
  • $1,124Total interest expense
  • $5,031Net interest income
  • $53Provision for loan and lease losses
  • $4,917Total noninterest income
  • $717Fiduciary activities
  • $314Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,886Additional noninterest income
  • $8,258Total noninterest expense
  • $4,351Salaries and employee benefits
  • $885Premises and equipment expense
  • $3,022Additional noninterest expense
  • $1,637Pre-tax net operating income
  • $358Securities gains (losses)
  • $0Applicable income taxes
  • $1,995Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,995Net income attributable to bank
  • $0Net charge-offs
  • $1,995Cash dividends
  • $725Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.84%Yield on earning assets
  • 0.70%Cost of funding earning assets
  • 3.14%Net interest margin
  • 3.07%Noninterest income to earning assets
  • 5.16%Noninterest expense to earning assets
  • 0.97%Net operating income to assets
  • 1.18%Return on assets (ROA)
  • 1.18%Pretax return on assets
  • 11.97%Return on equity (ROE)
  • 10.77%Retained earnings to average equity (YTD only)
  • 0.67%Net charge-offs to loans
  • 7.31%Credit loss provision to net charge-offs
  • 2.33%Efficiency ratio
  • 83,012Assets per employee
  • 2.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 10.03%Loss allowance to loans
  • 2.14%Loss allowance to noncurrent loans
  • 177.38%Noncurrent assets plus other real estate owned to assets
  • 1.43%Noncurrent loans to loans
  • 1.20%Net loans and leases to deposits
  • 104.86%Net loans and leases to core deposits
  • 106.68%Equity capital to assets
  • 12.72%Core capital (leverage) ratio
  • 12.21%Tier 1 risk-based capital ratio
  • 16.46%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $169,255Average earning assets
  • $16,661Average equity
  • $160,152Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $105,345Managed Assets
  • 1Number of Accounts
  • $103,949Personal trust and agency accounts
  • $10,712Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $3,738Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $89,499Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 117Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,396Other retirement accounts
  • $364Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $1,032Fiduciary accounts held in foreign offices

List of branches

  • 5 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    078853Premier Bank & Trust, National Association600 N Main Street, North Canton, OH 44720October 03, 2000Full Service Brick and Mortar
    1359277Canton Branch6141 Whipple Avenue, N.W., North Canton, OH 44720December 19, 2000Full Service Brick and Mortar
    2359510Messenger Service Branch305 West Liberty Street, Wooster, OH 44691March 01, 2001Limited Service Messenger
    4232570Milltown Financial Center Branch3562 Commerce Pkwy, Wooster, OH 44691March 06, 2000Full Service Brick and Mortar
    5447845Wooster Branch305 West Liberty Street, Wooster, OH 44691October 24, 2005Full Service Brick and Mortar

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