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 March 31, 2014
Federal Reserve System Identifier 3317192




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$76,847$76,660$74,764
Loans Receivable, Net58,93358,95256,422
Mortgage-Backed Securities3,1043,2644,319
Investments000
Deposits69,96968,88870,453
Borrowings09250
Equity6,7536,6974,266
Net Interest Income6282,5402,604
Fee Income103228
Overhead6292,5962,681
Net Operating Income39-43379
Net Income39-43379
Ratio Analysis Profitability%%%
Return on Assets *-0.60-0.580.10
Operating Return on Assets *-0.60-0.580.10
Return on Equity *-6.58-6.901.85
Net Interest Margin *3.853.933.89
Fee Income / Assets *0.050.040.04
Overhead / Assets *3.403.503.49
Efficiency Ratio91.6999.5886.51
Asset Quality%%%
Nonperforming Assets / Assets15.0315.2815.31
Nonperforming Assets / Equity & Loss Reserves145.14147.62214.11
Loss Reserves / Nonperforming Loans22.8320.1426.03
1-4 Fam Mtg + MBS / Assets13.9112.1213.64
Commercial Real Estate Loans / Assets49.0553.7153.32
Construction Loans / Assets6.896.664.94
Commercial & Industrial Loans / Assets10.758.539.04
Consumer Loans / Assets0.180.170.03
Capitalization%%%
Equity / Assets8.798.745.71
Tangible Capital / Tangible Assets8.798.745.71
Risk-based Capital Ratio11.6711.847.87
Liquidity%%%
Loans / Deposits84.2385.5880.08
Non-Interest Bearing Deposits / Deposits10.9112.618.60
Purchased Liabilities5.387.066.62

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