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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, 2015
Federal Reserve System Identifier 438050




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$59,516$57,911$60,529
Loans Receivable, Net39,71837,77833,856
Mortgage-Backed Securities6,3017,5506,225
Investments8,9977,94912,924
Deposits49,28450,74053,757
Borrowings2,76500
Equity7,3537,1286,691
Net Interest Income2,1402,6642,700
Fee Income348487496
Overhead2,0622,7122,578
Net Operating Income455465721
Net Income455465721
Ratio Analysis Profitability%%%
Return on Assets *1.080.791.24
Operating Return on Assets *1.080.791.24
Return on Equity *8.576.6910.81
Net Interest Margin *5.304.825.00
Fee Income / Assets *0.810.820.85
Overhead / Assets *4.724.584.42
Efficiency Ratio81.1283.2777.93
Asset Quality%%%
Nonperforming Assets / Assets1.101.260.46
Nonperforming Assets / Equity & Loss Reserves8.429.713.92
Loss Reserves / Nonperforming Loans104.7786.76154.51
1-4 Fam Mtg + MBS / Assets30.4431.7428.70
Commercial Real Estate Loans / Assets15.6216.0310.89
Construction Loans / Assets20.7518.4517.44
Commercial & Industrial Loans / Assets5.515.903.79
Consumer Loans / Assets3.855.175.09
Capitalization%%%
Equity / Assets12.3512.3111.05
Tangible Capital / Tangible Assets12.3512.3111.05
Risk-based Capital Ratio15.6518.6419.76
Liquidity%%%
Loans / Deposits80.5974.4562.98
Non-Interest Bearing Deposits / Deposits26.4023.3026.58
Purchased Liabilities5.410.460.70

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