# PREMIER SERVICE BANK
RIVERSIDE, CA · FDIC certificate 57059 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $130.9M | |
| Deposits | $117.3M | |
| Loans and leases | $60.0M | |
| Total equity | $10.5M | |
| Loans / deposits | 49.31% (p19 of band) | 69.26% |
| Liquid assets / assets | 50.79% (p78 of band) | |
| Uninsured deposits / deposits | 18.83% (p74 of band) | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.53% (p48 of band) | |
| FHLB advances / assets | 1.53% | |
| Tier 1 leverage | 8.06% (p11 of band) | 10.29% |
| Unrealized securities loss / equity | -0.52% (p56 of band) | -1.01% |
| AOCI / equity | -1.87% (p62 of band) | |
| ROA (annualized) | -0.09% (p9 of band) | 0.76% |
| Net interest margin | 3.68% (p53 of band) | 3.63% |
| Efficiency ratio | 102.31% (p92 of band) | |
| Noncurrent loans | 6.26% (p95 of band) | 0.94% |
| Net charge-offs (annualized) | 0.45% (p88 of band) | |
| Reserve coverage of noncurrent | 57.17% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 20.21% (p55 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.4% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | noncurrent p90 |
| 2011-09 | 4 | noncurrent p90 |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90, noncurrent p90 |
| 2012-06 | 5 | expense ratio p90, noncurrent p90 | deposits shrinking, uninsured deposits leaving |
| 2012-09 | 4 |  | assets shrinking |
| 2012-12 | 2 | assets shrinking | losing money, expense ratio p90, noncurrent p90 |
| 2013-03 | 3 | charge-offs p90 |  |
| 2013-06 | 3 | noncurrent p90 | charge-offs p90 |
| 2013-09 | 3 |  |  |
| 2013-12 | 5 | capital falling, losing money, expense ratio p90 | assets shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2012-01-26 [Federal Grand Jury Indicts Suspected Lake Elsinore Bank Robber - Patch](https://news.google.com/rss/articles/CBMipgFBVV95cUxPMW1fdVEzSWMzS1BPeks0VjlBNjQ3YThqbmk1ZGRwdkJLc3hzRW50MXBSR2pyb1JkMnFLMVBqSHRyZXl1enVsclhfOW1fRDNlT01iRl9iZkpBdVJpMHk1ejhOS1FMSkM0dGU5MTZGT3MzYTM4OVRPQmxyUUprZmRBRFN2VW9QU3RDYTBYQWxhcWhaNmJjdm9ONTdsUVVsVDlVSzRfS0xn?oc=5) · Patch
- 2014-04-07 [Small banks seeking bigger ones in a buying mood - Orange County Register](https://news.google.com/rss/articles/CBMikAFBVV95cUxNc29xeFQxdTRmUXNpNGQ5QXRlOXVnQkNpWlZ5bFgwNWp1Rm1fNUl5djNkbmRxTGs4TkxSaDNGU0RGS0stNHVFYnBRcmdGdGRjYnVJTGJuQlh4QU1uUnJ1c2U1dXNJZTNPZFFsVXlZN3psZE1zOTNKMEJ2V0ZfWUtXdzhuQXJyYTNvVDZVeFMxaEo?oc=5) · Orange County Register
- 2023-04-09 [Brittanee Delk Obituary (2008) - Riverside, CA - The Press-Enterprise - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNLWNCWTB3Zjd3Wi1ycm9TOHdCOXRGSTlpc3NyVlpzd3BhX3ZDZ09KZ3VfU2dtNU9xWEVON01wNkNieEpiVlhwVldYUVFSOWNnZWdVbHJWekIweEl1UTdfemJqWVJOTlpJX0JIUWNYVUxLWmlSYUNEeHIwbGZIU2pLZ1BGQkNLVmJnOEZ2akgyTGdiektTZmlLag?oc=5) · legacy.com
- 2011-11-04 [Bailout Tracker - ProPublica](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9WRVU5S0txR3VSdlY5QlVQdmdtVTNNdXE0bWZXZnBWT0tuaUx2VFg3Y0FReEZEZnRVV0hDNldzN0puTUpWd3pVcU83V2JYMkdodHRoNTluX2VpMk1ucUtTbQ?oc=5) · ProPublica
- 2012-01-31 [‘Puffy Coat Bandit’ Suspect Pleads Not Guilty - Patch](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQemwxRmlSNEh1MjcwWmlmcE9JdVEtOEh3VDAyRnEwc3pIM3Z6V2J2d3dMYXVBUjF1bF9aLWxTcmVGTFZiNUJzQzlLOXBxcTZBWVl3LVFuakxkUnVBUjN6QXJ0XzRmX3hXQURURV82TGZLdGRHdUJVakNXTlNfSUJRdHlsLUtUaE5p?oc=5) · Patch
- 2012-01-26 [Cerritos Bank Bandit Indicted on Seven Counts of Bank Robbery - Patch](https://news.google.com/rss/articles/CBMiowFBVV95cUxPRGYybnhZSW12dWZOUEllMlk0QmdjOVJ5Y1k0Y0dZdnRIMGJUWmxhZFlpTnFFc3dhd0hzU1JYZFY2YUx0czlpNWpqU3RRdWRidnpDZ2dKVm9vbGh0c0h0emMtR2otcGNXNGZrVmg2V0pPUzdpNGZsQjZaNFFhV19BQUwzc1F4dzNyek1Ma1MyZG5ySjhjT0FnZE5NMFYtUDlYelo4?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57059 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/35.json (key "57059", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide