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 June 30, 2014
Federal Reserve System Identifier 438050




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$60,886$60,529$55,554
Loans Receivable, Net33,66833,85635,740
Mortgage-Backed Securities7,8356,2257,677
Investments14,64312,9247,577
Deposits53,94153,75748,772
Borrowings000
Equity6,8606,6916,698
Net Interest Income1,2822,7002,674
Fee Income236496565
Overhead1,3752,5782,700
Net Operating Income160721770
Net Income160721770
Ratio Analysis Profitability%%%
Return on Assets *0.841.241.40
Operating Return on Assets *0.841.241.40
Return on Equity *7.3810.8111.62
Net Interest Margin *4.745.005.23
Fee Income / Assets *0.810.851.03
Overhead / Assets *4.494.424.92
Efficiency Ratio87.1477.9380.21
Asset Quality%%%
Nonperforming Assets / Assets0.910.460.20
Nonperforming Assets / Equity & Loss Reserves7.643.921.59
Loss Reserves / Nonperforming Loans74.39154.51779.63
1-4 Fam Mtg + MBS / Assets30.1228.7036.18
Commercial Real Estate Loans / Assets14.7910.8912.93
Construction Loans / Assets13.8717.4416.50
Commercial & Industrial Loans / Assets4.713.794.79
Consumer Loans / Assets4.485.097.18
Capitalization%%%
Equity / Assets11.2711.0512.06
Tangible Capital / Tangible Assets11.2711.0512.06
Risk-based Capital Ratio18.2119.7618.92
Liquidity%%%
Loans / Deposits62.4262.9873.28
Non-Interest Bearing Deposits / Deposits22.3726.5826.00
Purchased Liabilities0.760.700.30

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