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SAFE & SOUND® STAR RATINGS

Financial statement

1ST ADVANTAGE BANK
240 SALT LICK ROAD
SAINT PETERS, Missouri 63376

STAR RATING: 1 star
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 3317192




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$74,764$78,804$92,716
Loans Receivable, Net56,42258,98772,173
Mortgage-Backed Securities4,3195,4186,283
Investments000
Deposits70,45371,54080,980
Borrowings03,0008,000
Equity4,2664,2033,621
Net Interest Income2,6042,5112,875
Fee Income282019
Overhead2,6812,6542,798
Net Operating Income79-657-3,662
Net Income79-661-3,670
Ratio Analysis Profitability%%%
Return on Assets *0.10-0.74-3.57
Operating Return on Assets *0.10-0.74-3.57
Return on Equity *1.85-15.80-61.79
Net Interest Margin *3.893.243.10
Fee Income / Assets *0.040.020.02
Overhead / Assets *3.492.992.73
Efficiency Ratio86.5191.74132.92
Asset Quality%%%
Nonperforming Assets / Assets15.3117.4116.69
Nonperforming Assets / Equity & Loss Reserves214.11232.95239.55
Loss Reserves / Nonperforming Loans26.032.863.93
1-4 Fam Mtg + MBS / Assets13.6415.6816.96
Commercial Real Estate Loans / Assets53.3252.6148.92
Construction Loans / Assets4.947.7110.08
Commercial & Industrial Loans / Assets9.046.177.17
Consumer Loans / Assets0.030.010.01
Capitalization%%%
Equity / Assets5.715.333.91
Tangible Capital / Tangible Assets5.715.333.91
Risk-based Capital Ratio7.877.566.14
Liquidity%%%
Loans / Deposits80.0882.4589.12
Non-Interest Bearing Deposits / Deposits8.608.224.68
Purchased Liabilities6.6237.5946.07

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.41%
1 yr CD
0.67% 0.63%
5 yr CD
1.24% 1.22%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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