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

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Premier Commercial Bank, National Association
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)58
Total assets$445,241
Cash and due from depository institutions$75,590
Interest-bearing balances$68,371
Federal funds sold & reverse repurchase agreements$660
Net loans & leases$303,744
Loan loss allowance $7,587
Trading account assets$0
Bank premises and fixed assets$435
Other real estate owned$1,396
Goodwill and other intangibles$1,078
All other assets$12,932
Life insurance assets$445,241
Total liabilities and capital$400,930
Total liabilities$391,653
Total deposits$307,017
Interest-bearing deposits$391,653
Deposits held in domestic offices$56
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $9,277
All other liabilities $44,311
Total equity capital$44,311
Total bank equity capital$44,311
Perpetual preferred stock$0
Common stock$6,229
Undivided profits $14,218
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $6,237
Earning assets $1,053
Long-term assets (5+ years) $1,589
Average Assets, year-to-date $422,181
Average Assets, quarterly $90,307
Volatile liabilities $458,170
Insider loans $444,643
FHLB advances $349,208
Loans and leases held for sale $489,879
Unused loan commitments $3,596
Tier 1 (core) risk-based capital $3,596
Tier 2 risk-based capital $43,772
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $38,847
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $17,410
Total interest expense $4,625
Net interest income $12,785
Provision for loan and lease losses $2,250
Total noninterest income $4,965
Fiduciary activities $0
Service charges on deposit accounts $458
Trading account gains & fees $0
Additional noninterest income $4,507
Total noninterest expense $12,799
Salaries and employee benefits $7,329
Premises and equipment expense $1,362
Additional noninterest expense $4,108
Pre-tax net operating income $2,701
Securities gains (losses) -$54
Applicable income taxes $1,003
Income before extraordinary items $1,644
Extraordinary gains - net $0
Net income attributable to bank $1,644
Net charge-offs $0
Cash dividends $1,644
Sale, conversion, retirement of capital stock, net $2,469
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.99%
Cost of funding earning assets 1.06%
Net interest margin 2.93%
Noninterest income to earning assets 1.14%
Noninterest expense to earning assets 2.94%
Net operating income to assets 0.37%
Return on assets (ROA) 0.36%
Pretax return on assets 0.58%
Return on equity (ROE) 3.76%
Retained earnings to average equity (YTD only) 3.76%
Net charge-offs to loans 0.80%
Credit loss provision to net charge-offs 91.13%
Efficiency ratio2.01%
Assets per employee$72,107
Cash dividends to net income (YTD only)7.68%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.44%
Noncurrent assets plus other real estate owned to assets 121.65%
Noncurrent loans to loans 1.71%
Net loans and leases to deposits2.00%
Net loans and leases to core deposits 77.55%
Equity capital to assets 87.36%
Core capital (leverage) ratio 9.95%
Tier 1 risk-based capital ratio 8.94%
Total risk-based capital ratio 12.53%
Average assets$14
Average earning assets$458,170
Average equity $43,681
Average loans $435,893
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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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