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 September 30, 2015
Federal Reserve System Identifier 3317192




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$82,316$76,151$76,660
Loans Receivable, Net65,32360,31658,952
Mortgage-Backed Securities5,0643,1293,264
Investments000
Deposits68,76267,35868,888
Borrowings6,4631,863925
Equity6,9756,8376,697
Net Interest Income2,0652,6362,540
Fee Income324332
Overhead2,0852,6602,596
Net Operating Income143106-433
Net Income143106-433
Ratio Analysis Profitability%%%
Return on Assets *0.190.14-0.58
Operating Return on Assets *0.190.14-0.58
Return on Equity *2.141.56-6.90
Net Interest Margin *3.823.913.93
Fee Income / Assets *0.050.060.04
Overhead / Assets *3.553.463.50
Efficiency Ratio91.3794.3999.58
Asset Quality%%%
Nonperforming Assets / Assets8.8713.7215.28
Nonperforming Assets / Equity & Loss Reserves95.41134.66147.62
Loss Reserves / Nonperforming Loans57.9018.5420.14
1-4 Fam Mtg + MBS / Assets15.4615.0612.12
Commercial Real Estate Loans / Assets49.8351.3553.71
Construction Loans / Assets8.397.276.66
Commercial & Industrial Loans / Assets10.538.928.53
Consumer Loans / Assets0.310.340.17
Capitalization%%%
Equity / Assets8.478.988.74
Tangible Capital / Tangible Assets8.478.988.74
Risk-based Capital Ratio10.1611.6611.84
Liquidity%%%
Loans / Deposits95.0089.5585.58
Non-Interest Bearing Deposits / Deposits13.6412.3712.61
Purchased Liabilities13.547.317.06

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