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 June 30, 2014
Federal Reserve System Identifier 3317192




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$76,117$76,660$74,764
Loans Receivable, Net62,80458,95256,422
Mortgage-Backed Securities2,9823,2644,319
Investments000
Deposits66,85968,88870,453
Borrowings2,3139250
Equity6,7986,6974,266
Net Interest Income1,2792,5402,604
Fee Income203228
Overhead1,2722,5962,681
Net Operating Income61-43379
Net Income61-43379
Ratio Analysis Profitability%%%
Return on Assets *-0.55-0.580.10
Operating Return on Assets *-0.55-0.580.10
Return on Equity *-6.11-6.901.85
Net Interest Margin *3.843.933.89
Fee Income / Assets *0.050.040.04
Overhead / Assets *3.473.503.49
Efficiency Ratio92.9199.5886.51
Asset Quality%%%
Nonperforming Assets / Assets14.3515.2815.31
Nonperforming Assets / Equity & Loss Reserves136.09147.62214.11
Loss Reserves / Nonperforming Loans23.3020.1426.03
1-4 Fam Mtg + MBS / Assets14.4812.1213.64
Commercial Real Estate Loans / Assets53.0253.7153.32
Construction Loans / Assets6.976.664.94
Commercial & Industrial Loans / Assets11.758.539.04
Consumer Loans / Assets0.320.170.03
Capitalization%%%
Equity / Assets8.938.745.71
Tangible Capital / Tangible Assets8.938.745.71
Risk-based Capital Ratio11.2211.847.87
Liquidity%%%
Loans / Deposits93.9385.5880.08
Non-Interest Bearing Deposits / Deposits12.3112.618.60
Purchased Liabilities7.887.066.62

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