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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 March 31, 2016
Federal Reserve System Identifier 438050




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$61,437$60,010$57,911
Loans Receivable, Net45,55842,58637,778
Mortgage-Backed Securities5,8926,1867,550
Investments5,7767,7577,949
Deposits51,95250,23550,740
Borrowings1,9032,3830
Equity7,5027,3327,128
Net Interest Income7922,9062,664
Fee Income106468487
Overhead7152,7832,712
Net Operating Income205633465
Net Income205633465
Ratio Analysis Profitability%%%
Return on Assets *1.161.090.79
Operating Return on Assets *1.161.090.79
Return on Equity *9.288.646.69
Net Interest Margin *5.425.364.82
Fee Income / Assets *0.790.800.82
Overhead / Assets *4.794.784.58
Efficiency Ratio77.3080.8583.27
Asset Quality%%%
Nonperforming Assets / Assets0.480.521.26
Nonperforming Assets / Equity & Loss Reserves3.774.039.71
Loss Reserves / Nonperforming Loans19000.002450.0086.76
1-4 Fam Mtg + MBS / Assets29.9431.4931.74
Commercial Real Estate Loans / Assets14.5615.1816.03
Construction Loans / Assets29.9624.7518.45
Commercial & Industrial Loans / Assets4.894.975.90
Consumer Loans / Assets3.193.565.17
Capitalization%%%
Equity / Assets12.2112.2212.31
Tangible Capital / Tangible Assets12.2112.2212.31
Risk-based Capital Ratio14.5014.2518.64
Liquidity%%%
Loans / Deposits87.6984.7774.45
Non-Interest Bearing Deposits / Deposits25.2825.6423.30
Purchased Liabilities3.894.730.46

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