Premier Commercial Bank, National Association in Anaheim, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Premier Commercial Bank, National Association in Anaheim, California (CA)
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Premier Commercial Bank, National Association - Overview

  • General
  • FDIC Certificate #: 57231
    Status: Active
    Federal Reserve ID: 3073199
    Bank Holding Company (Regulatory Top Holder): Premier Commercial Bancorp (RSSDID: 3267309, Location: Anaheim, CA)
    Date Established: November 26, 2001
    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: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 359848
    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: November 26, 2001
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 2400 East Katella Avenue, Suite 125, Anaheim, CA 92806
    County: Orange
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Orange
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Orange County, CA (#5945)
    Consolidated Metropolitan Statistical Area (CMSA): Los Angeles-Riverside-Orange County, CA (#49)
    Combined Statistical Area (CSA): Los Angeles-Long Beach-Riverside, CA (#348)
    Core Based Statistical Area (CBSA): Los Angeles-Long Beach-Santa Ana, CA (#31100)
    CBSA Metro Statistical Area: Los Angeles-Long Beach-Santa Ana, CA (#31100)
    Core Based Statistical Division: Santa Ana-Anaheim-Irvine, CA (#42044)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $445.2 mil
    Equity capital: $44.3 mil
    Deposits held in domestic offices: $391.7 mil
    Return on assets (ROA): 0.36% ($1.6 mil)
    Quarterly return on assets: 0.19% ($0.8 mil)
    Return on Equity (ROE): 3.76% ($1.7 mil)
    Quarterly return on equity: 1.86% ($0.8 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.58% ($2,582.4 mil)
    Quarterly Pretax return on assets: 0.28% ($1,246.7 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
  • 58Total employees (full-time equivalent)
  • $445,241Total assets
  • $75,590Cash and due from depository institutions
  • $68,371Interest-bearing balances
  • $49,406Securities
  • $660Federal funds sold & reverse repurchase agreements
  • $303,744Net loans & leases
  • $7,587Loan loss allowance
  • $0Trading account assets
  • $435Bank premises and fixed assets
  • $1,396Other real estate owned
  • $1,078Goodwill and other intangibles
  • $445,241Life insurance assets
  • $12,932All other assets
  • $400,930Total liabilities and capital
  • $391,653Total liabilities
  • $307,017Total deposits
  • $391,653Interest-bearing deposits
  • $56Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $9,277Subordinated debt
  • $44,311All other liabilities
  • $44,311Total equity capital
  • $44,311Total bank equity capital
  • $0Perpetual preferred stock
  • $6,229Common stock
  • $23,864Surplus
  • $14,218Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,237Income earned, not collected on loans
  • $1,053Earning assets
  • $1,589Long-term assets (5+ years)
  • $422,181Average Assets, year-to-date
  • $90,307Average Assets, quarterly
  • $458,170Volatile liabilities
  • $444,643Insider loans
  • $349,208FHLB advances
  • $489,879Loans and leases held for sale
  • $3,596Unused loan commitments
  • $3,596Tier 1 (core) risk-based capital
  • $43,772Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $38,847Restructured Loans and leases
  • $2,606Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,410Total interest income
  • $4,625Total interest expense
  • $12,785Net interest income
  • $2,250Provision for loan and lease losses
  • $4,965Total noninterest income
  • $0Fiduciary activities
  • $458Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,507Additional noninterest income
  • $12,799Total noninterest expense
  • $7,329Salaries and employee benefits
  • $1,362Premises and equipment expense
  • $4,108Additional noninterest expense
  • $2,701Pre-tax net operating income
  • -$54Securities gains (losses)
  • $1,003Applicable income taxes
  • $1,644Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,644Net income attributable to bank
  • $0Net charge-offs
  • $1,644Cash dividends
  • $2,469Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.99%Yield on earning assets
  • 1.06%Cost of funding earning assets
  • 2.93%Net interest margin
  • 1.14%Noninterest income to earning assets
  • 2.94%Noninterest expense to earning assets
  • 0.37%Net operating income to assets
  • 0.36%Return on assets (ROA)
  • 0.58%Pretax return on assets
  • 3.76%Return on equity (ROE)
  • 3.76%Retained earnings to average equity (YTD only)
  • 0.80%Net charge-offs to loans
  • 91.13%Credit loss provision to net charge-offs
  • 2.01%Efficiency ratio
  • 72,107Assets per employee
  • 7.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.44%Loss allowance to noncurrent loans
  • 121.65%Noncurrent assets plus other real estate owned to assets
  • 1.71%Noncurrent loans to loans
  • 2.00%Net loans and leases to deposits
  • 77.55%Net loans and leases to core deposits
  • 87.36%Equity capital to assets
  • 9.95%Core capital (leverage) ratio
  • 8.94%Tier 1 risk-based capital ratio
  • 12.53%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $458,170Average earning assets
  • $43,681Average equity
  • $435,893Average loans

List of branches

  • 2 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0359848Premier Commercial Bank, National Association2400 East Katella Avenue, Suite 125, Anaheim, CA 92806November 26, 2001Full Service Brick and Mortar
    1493151Premier Commercial Bank Irvine-Newpo2201 Dupont Drive, Suite 140, Irvine, CA 92612December 17, 2007Full Service Retail

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