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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 December 31, 2015
Federal Reserve System Identifier 438050




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$60,010$57,911$60,529
Loans Receivable, Net42,58637,77833,856
Mortgage-Backed Securities6,1867,5506,225
Investments7,7577,94912,924
Deposits50,23550,74053,757
Borrowings2,38300
Equity7,3327,1286,691
Net Interest Income2,9062,6642,700
Fee Income468487496
Overhead2,7832,7122,578
Net Operating Income633465721
Net Income633465721
Ratio Analysis Profitability%%%
Return on Assets *1.090.791.24
Operating Return on Assets *1.090.791.24
Return on Equity *8.646.6910.81
Net Interest Margin *5.364.825.00
Fee Income / Assets *0.800.820.85
Overhead / Assets *4.784.584.42
Efficiency Ratio80.8583.2777.93
Asset Quality%%%
Nonperforming Assets / Assets0.521.260.46
Nonperforming Assets / Equity & Loss Reserves4.039.713.92
Loss Reserves / Nonperforming Loans2450.0086.76154.51
1-4 Fam Mtg + MBS / Assets31.4931.7428.70
Commercial Real Estate Loans / Assets15.1816.0310.89
Construction Loans / Assets24.7518.4517.44
Commercial & Industrial Loans / Assets4.975.903.79
Consumer Loans / Assets3.565.175.09
Capitalization%%%
Equity / Assets12.2212.3111.05
Tangible Capital / Tangible Assets12.2212.3111.05
Risk-based Capital Ratio14.2518.6419.76
Liquidity%%%
Loans / Deposits84.7774.4562.98
Non-Interest Bearing Deposits / Deposits25.6423.3026.58
Purchased Liabilities4.730.460.70

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