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SAFE & SOUND® STAR RATINGS

ADVANTAGE BANK

8001 NE 23RD STREET
OKLAHOMA CITY, Oklahoma 73141

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 438050




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$56,998$57,911$60,529
Loans Receivable, Net36,83837,77833,856
Mortgage-Backed Securities7,3227,5506,225
Investments8,2987,94912,924
Deposits49,60050,74053,757
Borrowings000
Equity7,3367,1286,691
Net Interest Income7092,6642,700
Fee Income109487496
Overhead6842,7122,578
Net Operating Income155465721
Net Income155465721
Ratio Analysis Profitability%%%
Return on Assets *0.860.791.24
Operating Return on Assets *0.860.791.24
Return on Equity *7.146.6910.81
Net Interest Margin *4.974.825.00
Fee Income / Assets *0.820.820.85
Overhead / Assets *4.654.584.42
Efficiency Ratio80.5783.2777.93
Asset Quality%%%
Nonperforming Assets / Assets1.521.260.46
Nonperforming Assets / Equity & Loss Reserves11.179.713.92
Loss Reserves / Nonperforming Loans68.6986.76154.51
1-4 Fam Mtg + MBS / Assets32.4131.7428.70
Commercial Real Estate Loans / Assets16.8416.0310.89
Construction Loans / Assets16.7018.4517.44
Commercial & Industrial Loans / Assets5.795.903.79
Consumer Loans / Assets4.785.175.09
Capitalization%%%
Equity / Assets12.8712.3111.05
Tangible Capital / Tangible Assets12.8712.3111.05
Risk-based Capital Ratio16.1718.6419.76
Liquidity%%%
Loans / Deposits74.2774.4562.98
Non-Interest Bearing Deposits / Deposits24.5623.3026.58
Purchased Liabilities0.800.460.70

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