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SAFE & SOUND® STAR RATINGS

Financial statement

ADVANTAGE BANK
8001 NE 23RD STREET
SPENCER, Oklahoma 73141

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 438050




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$55,554$56,093$50,041
Loans Receivable, Net35,74034,25033,160
Mortgage-Backed Securities7,6774,7722,931
Investments7,5779,6537,604
Deposits48,77249,51243,944
Borrowings000
Equity6,6986,4956,026
Net Interest Income2,6742,4862,435
Fee Income565687746
Overhead2,7002,6832,781
Net Operating Income770611638
Net Income770611638
Ratio Analysis Profitability%%%
Return on Assets *1.401.191.29
Operating Return on Assets *1.401.191.29
Return on Equity *11.629.4410.69
Net Interest Margin *5.235.235.43
Fee Income / Assets *1.031.341.52
Overhead / Assets *4.925.235.66
Efficiency Ratio80.2181.283.41
Asset Quality%%%
Nonperforming Assets / Assets0.201.821.41
Nonperforming Assets / Equity & Loss Reserves1.5914.8310.76
Loss Reserves / Nonperforming Loans779.631.131.61
1-4 Fam Mtg + MBS / Assets36.1832.4333.65
Commercial Real Estate Loans / Assets12.9312.2014.13
Construction Loans / Assets16.5010.924.58
Commercial & Industrial Loans / Assets4.795.689.08
Consumer Loans / Assets7.187.679.69
Capitalization%%%
Equity / Assets12.0611.5812.04
Tangible Capital / Tangible Assets12.0611.5812.04
Risk-based Capital Ratio18.9217.3419.07
Liquidity%%%
Loans / Deposits73.2869.1875.46
Non-Interest Bearing Deposits / Deposits26.0021.4522.39
Purchased Liabilities0.302.712.73

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.43%
1 yr CD
0.62% 0.63%
5 yr CD
1.22% 1.24%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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