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, 2014
Federal Reserve System Identifier 3317192




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$76,803$76,660$74,764
Loans Receivable, Net64,09358,95256,422
Mortgage-Backed Securities2,7743,2644,319
Investments000
Deposits63,94068,88870,453
Borrowings5,8639250
Equity6,8286,6974,266
Net Interest Income1,9692,5402,604
Fee Income323228
Overhead1,9482,5962,681
Net Operating Income101-43379
Net Income101-43379
Ratio Analysis Profitability%%%
Return on Assets *-0.11-0.580.10
Operating Return on Assets *-0.11-0.580.10
Return on Equity *-1.40-6.901.85
Net Interest Margin *3.913.933.89
Fee Income / Assets *0.050.040.04
Overhead / Assets *3.463.503.49
Efficiency Ratio92.6399.5886.51
Asset Quality%%%
Nonperforming Assets / Assets13.8215.2815.31
Nonperforming Assets / Equity & Loss Reserves136.88147.62214.11
Loss Reserves / Nonperforming Loans18.4020.1426.03
1-4 Fam Mtg + MBS / Assets13.9112.1213.64
Commercial Real Estate Loans / Assets54.3253.7153.32
Construction Loans / Assets6.776.664.94
Commercial & Industrial Loans / Assets11.508.539.04
Consumer Loans / Assets0.310.170.03
Capitalization%%%
Equity / Assets8.898.745.71
Tangible Capital / Tangible Assets8.898.745.71
Risk-based Capital Ratio11.0511.847.87
Liquidity%%%
Loans / Deposits100.2485.5880.08
Non-Interest Bearing Deposits / Deposits13.4512.618.60
Purchased Liabilities12.417.066.62

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