SAFE & SOUND® STAR RATINGS

Financial statement

ADVANTAGE BANK
8001 NE 23RD STREET
SPENCER, Oklahoma 73141

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 438050




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$60,529$55,554$56,093
Loans Receivable, Net33,85635,74034,250
Mortgage-Backed Securities6,2257,6774,772
Investments12,9247,5779,653
Deposits53,75748,77249,512
Borrowings000
Equity6,6916,6986,495
Net Interest Income2,7002,6742,486
Fee Income496565687
Overhead2,5782,7002,683
Net Operating Income721770611
Net Income721770611
Ratio Analysis Profitability%%%
Return on Assets *1.241.401.19
Operating Return on Assets *1.241.401.19
Return on Equity *10.8111.629.44
Net Interest Margin *5.005.235.23
Fee Income / Assets *0.851.031.34
Overhead / Assets *4.424.925.23
Efficiency Ratio77.9380.2181.20
Asset Quality%%%
Nonperforming Assets / Assets0.460.201.82
Nonperforming Assets / Equity & Loss Reserves3.921.5914.83
Loss Reserves / Nonperforming Loans154.51779.631.13
1-4 Fam Mtg + MBS / Assets28.7036.1832.43
Commercial Real Estate Loans / Assets10.8912.9312.20
Construction Loans / Assets17.4416.5010.92
Commercial & Industrial Loans / Assets3.794.795.68
Consumer Loans / Assets5.097.187.67
Capitalization%%%
Equity / Assets11.0512.0611.58
Tangible Capital / Tangible Assets11.0512.0611.58
Risk-based Capital Ratio19.7618.9217.34
Liquidity%%%
Loans / Deposits62.9873.2869.18
Non-Interest Bearing Deposits / Deposits26.5826.0021.45
Purchased Liabilities0.700.302.71

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