SAFE & SOUND® STAR RATINGS

Financial statement

ADVANTAGE BANK
8001 NE 23RD STREET
OKLAHOMA CITY, Oklahoma 73141

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 438050




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$59,001$60,529$55,554
Loans Receivable, Net32,79733,85635,740
Mortgage-Backed Securities7,1746,2257,677
Investments15,09012,9247,577
Deposits52,08853,75748,772
Borrowings000
Equity6,8476,6916,698
Net Interest Income6462,7002,674
Fee Income112496565
Overhead6622,5782,700
Net Operating Income115721770
Net Income115721770
Ratio Analysis Profitability%%%
Return on Assets *1.101.241.40
Operating Return on Assets *1.101.241.40
Return on Equity *9.7610.8111.62
Net Interest Margin *4.925.005.23
Fee Income / Assets *0.820.851.03
Overhead / Assets *4.414.424.92
Efficiency Ratio83.5977.9380.21
Asset Quality%%%
Nonperforming Assets / Assets0.520.460.20
Nonperforming Assets / Equity & Loss Reserves4.253.921.59
Loss Reserves / Nonperforming Loans138.25154.51779.63
1-4 Fam Mtg + MBS / Assets31.3928.7036.18
Commercial Real Estate Loans / Assets10.9210.8912.93
Construction Loans / Assets16.8717.4416.50
Commercial & Industrial Loans / Assets3.473.794.79
Consumer Loans / Assets4.685.097.18
Capitalization%%%
Equity / Assets11.6011.0512.06
Tangible Capital / Tangible Assets11.6011.0512.06
Risk-based Capital Ratio20.6619.7618.92
Liquidity%%%
Loans / Deposits62.9662.9873.28
Non-Interest Bearing Deposits / Deposits25.8426.5826.00
Purchased Liabilities0.780.700.30

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