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, 2013
Federal Reserve System Identifier 3317192




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$76,660$74,764$78,804
Loans Receivable, Net58,95256,42258,987
Mortgage-Backed Securities3,2644,3195,418
Investments000
Deposits68,88870,45371,540
Borrowings92503,000
Equity6,6974,2664,203
Net Interest Income2,5402,6042,511
Fee Income322820
Overhead2,5962,6812,654
Net Operating Income-43379-657
Net Income-43379-661
Ratio Analysis Profitability%%%
Return on Assets *-0.580.10-0.74
Operating Return on Assets *-0.580.10-0.74
Return on Equity *-6.901.85-15.80
Net Interest Margin *3.933.893.24
Fee Income / Assets *0.040.040.02
Overhead / Assets *3.503.492.99
Efficiency Ratio99.5886.5191.74
Asset Quality%%%
Nonperforming Assets / Assets15.2815.3117.41
Nonperforming Assets / Equity & Loss Reserves147.62214.11232.95
Loss Reserves / Nonperforming Loans20.1426.032.86
1-4 Fam Mtg + MBS / Assets12.1213.6415.68
Commercial Real Estate Loans / Assets53.7153.3252.61
Construction Loans / Assets6.664.947.71
Commercial & Industrial Loans / Assets8.539.046.17
Consumer Loans / Assets0.170.030.01
Capitalization%%%
Equity / Assets8.745.715.33
Tangible Capital / Tangible Assets8.745.715.33
Risk-based Capital Ratio11.847.877.56
Liquidity%%%
Loans / Deposits85.5880.0882.45
Non-Interest Bearing Deposits / Deposits12.618.608.22
Purchased Liabilities7.066.6237.59

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