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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 September 30, 2014
Federal Reserve System Identifier 438050




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$58,651$60,529$55,554
Loans Receivable, Net35,00533,85635,740
Mortgage-Backed Securities7,6236,2257,677
Investments11,92312,9247,577
Deposits49,51853,75748,772
Borrowings2,07100
Equity6,9696,6916,698
Net Interest Income1,9592,7002,674
Fee Income367496565
Overhead2,0502,5782,700
Net Operating Income297721770
Net Income297721770
Ratio Analysis Profitability%%%
Return on Assets *0.781.241.40
Operating Return on Assets *0.781.241.40
Return on Equity *6.7510.8111.62
Net Interest Margin *4.815.005.23
Fee Income / Assets *0.820.851.03
Overhead / Assets *4.574.424.92
Efficiency Ratio85.0677.9380.21
Asset Quality%%%
Nonperforming Assets / Assets1.240.460.20
Nonperforming Assets / Equity & Loss Reserves9.833.921.59
Loss Reserves / Nonperforming Loans86.72154.51779.63
1-4 Fam Mtg + MBS / Assets30.9228.7036.18
Commercial Real Estate Loans / Assets16.5810.8912.93
Construction Loans / Assets14.6917.4416.50
Commercial & Industrial Loans / Assets5.633.794.79
Consumer Loans / Assets4.635.097.18
Capitalization%%%
Equity / Assets11.8811.0512.06
Tangible Capital / Tangible Assets11.8811.0512.06
Risk-based Capital Ratio19.2619.7618.92
Liquidity%%%
Loans / Deposits70.6962.9873.28
Non-Interest Bearing Deposits / Deposits24.3426.5826.00
Purchased Liabilities4.300.700.30

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