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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 December 31, 2014
Federal Reserve System Identifier 438050




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$57,911$60,529$55,554
Loans Receivable, Net37,77833,85635,740
Mortgage-Backed Securities7,5506,2257,677
Investments7,94912,9247,577
Deposits50,74053,75748,772
Borrowings000
Equity7,1286,6916,698
Net Interest Income2,6642,7002,674
Fee Income487496565
Overhead2,7122,5782,700
Net Operating Income465721770
Net Income465721770
Ratio Analysis Profitability%%%
Return on Assets *0.791.241.40
Operating Return on Assets *0.791.241.40
Return on Equity *6.6910.8111.62
Net Interest Margin *4.825.005.23
Fee Income / Assets *0.820.851.03
Overhead / Assets *4.584.424.92
Efficiency Ratio83.2777.9380.21
Asset Quality%%%
Nonperforming Assets / Assets1.260.460.20
Nonperforming Assets / Equity & Loss Reserves9.713.921.59
Loss Reserves / Nonperforming Loans86.76154.51779.63
1-4 Fam Mtg + MBS / Assets31.7428.7036.18
Commercial Real Estate Loans / Assets16.0310.8912.93
Construction Loans / Assets18.4517.4416.50
Commercial & Industrial Loans / Assets5.903.794.79
Consumer Loans / Assets5.175.097.18
Capitalization%%%
Equity / Assets12.3111.0512.06
Tangible Capital / Tangible Assets12.3111.0512.06
Risk-based Capital Ratio18.6419.7618.92
Liquidity%%%
Loans / Deposits74.4562.9873.28
Non-Interest Bearing Deposits / Deposits23.3026.5826.00
Purchased Liabilities0.460.700.30

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