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, 2016
Federal Reserve System Identifier 3317192




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$85,673$84,397$76,151
Loans Receivable, Net70,31668,45860,316
Mortgage-Backed Securities4,5874,7583,129
Investments000
Deposits73,59468,39667,358
Borrowings4,3638,9631,863
Equity7,5896,9856,837
Net Interest Income7532,7882,636
Fee Income104443
Overhead7722,8632,660
Net Operating Income74181106
Net Income74181106
Ratio Analysis Profitability%%%
Return on Assets *0.240.230.14
Operating Return on Assets *0.240.230.14
Return on Equity *2.752.601.56
Net Interest Margin *3.853.803.91
Fee Income / Assets *0.050.060.06
Overhead / Assets *3.653.613.46
Efficiency Ratio89.0491.4494.39
Asset Quality%%%
Nonperforming Assets / Assets7.818.4113.72
Nonperforming Assets / Equity & Loss Reserves81.0592.17134.66
Loss Reserves / Nonperforming Loans98.6666.0218.54
1-4 Fam Mtg + MBS / Assets16.4616.0815.06
Commercial Real Estate Loans / Assets53.7351.1651.35
Construction Loans / Assets7.608.337.27
Commercial & Industrial Loans / Assets8.5510.098.92
Consumer Loans / Assets0.200.180.34
Capitalization%%%
Equity / Assets8.868.288.98
Tangible Capital / Tangible Assets8.868.288.98
Risk-based Capital Ratio10.6110.0811.66
Liquidity%%%
Loans / Deposits95.55100.0989.55
Non-Interest Bearing Deposits / Deposits20.4316.6412.37
Purchased Liabilities10.9416.137.31

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