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 March 31, 2015
Federal Reserve System Identifier 3317192




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$80,411$76,151$76,660
Loans Receivable, Net64,85160,31658,952
Mortgage-Backed Securities2,9713,1293,264
Investments000
Deposits71,33067,35868,888
Borrowings2,0631,863925
Equity6,9016,8376,697
Net Interest Income6742,6362,540
Fee Income114332
Overhead6692,6602,596
Net Operating Income59106-433
Net Income59106-433
Ratio Analysis Profitability%%%
Return on Assets *0.160.14-0.58
Operating Return on Assets *0.160.14-0.58
Return on Equity *1.841.56-6.90
Net Interest Margin *3.913.913.93
Fee Income / Assets *0.060.060.04
Overhead / Assets *3.513.463.50
Efficiency Ratio89.6894.3999.58
Asset Quality%%%
Nonperforming Assets / Assets11.5013.7215.28
Nonperforming Assets / Equity & Loss Reserves117.93134.66147.62
Loss Reserves / Nonperforming Loans24.9418.5420.14
1-4 Fam Mtg + MBS / Assets14.1315.0612.12
Commercial Real Estate Loans / Assets53.0351.3553.71
Construction Loans / Assets7.217.276.66
Commercial & Industrial Loans / Assets8.918.928.53
Consumer Loans / Assets0.320.340.17
Capitalization%%%
Equity / Assets8.588.988.74
Tangible Capital / Tangible Assets8.588.988.74
Risk-based Capital Ratio11.1211.6611.84
Liquidity%%%
Loans / Deposits90.9289.5585.58
Non-Interest Bearing Deposits / Deposits13.7912.3712.61
Purchased Liabilities7.167.317.06

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