Safe & Sound » Bank Ratings » 1ST ADVANTAGE BANK


SAFE & SOUND® STAR RATINGS

1ST ADVANTAGE BANK

240 SALT LICK ROAD
SAINT PETERS, Missouri 63376

STAR RATING: 1 star
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 3317192




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$76,151$76,660$74,764
Loans Receivable, Net60,31658,95256,422
Mortgage-Backed Securities3,1293,2644,319
Investments000
Deposits67,35868,88870,453
Borrowings1,8639250
Equity6,8376,6974,266
Net Interest Income2,6362,5402,604
Fee Income433228
Overhead2,6602,5962,681
Net Operating Income106-43379
Net Income106-43379
Ratio Analysis Profitability%%%
Return on Assets *0.14-0.580.10
Operating Return on Assets *0.14-0.580.10
Return on Equity *1.56-6.901.85
Net Interest Margin *3.913.933.89
Fee Income / Assets *0.060.040.04
Overhead / Assets *3.463.503.49
Efficiency Ratio94.3999.5886.51
Asset Quality%%%
Nonperforming Assets / Assets13.7215.2815.31
Nonperforming Assets / Equity & Loss Reserves134.66147.62214.11
Loss Reserves / Nonperforming Loans18.5420.1426.03
1-4 Fam Mtg + MBS / Assets15.0612.1213.64
Commercial Real Estate Loans / Assets51.3553.7153.32
Construction Loans / Assets7.276.664.94
Commercial & Industrial Loans / Assets8.928.539.04
Consumer Loans / Assets0.340.170.03
Capitalization%%%
Equity / Assets8.988.745.71
Tangible Capital / Tangible Assets8.988.745.71
Risk-based Capital Ratio11.6611.847.87
Liquidity%%%
Loans / Deposits89.5585.5880.08
Non-Interest Bearing Deposits / Deposits12.3712.618.60
Purchased Liabilities7.317.066.62

* Calculations are based on the latest four quarters of income and expense.
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