FDIC Certificate #: 57899 Status: Active Federal Reserve ID: 3317192 Bank Holding Company (Regulatory Top Holder): 1st Advantage Bancshares, Inc. (RSSDID: 3370517, Location: Saint Peters, MO) Date Established: January 31, 2005 WWW:http://www.1stadvantagebank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 429739 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: January 31, 2005 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 240 Salt Lick Road, Saint Peters, MO 63376 County: St. Charles Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: St. Louis Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040) Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476) Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180) CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $78.8 mil Equity capital: $4.2 mil Deposits held in domestic offices: $71.5 mil Return on assets (ROA): -0.75% (-$0.6 mil) Quarterly return on assets: -0.63% (-$0.5 mil) Return on Equity (ROE): -16.24% (-$0.6 mil) Quarterly return on equity: -12.04% (-$0.5 mil) Net income: -$0.7 mil Quarterly Net income: -$0.1 mil Pretax return on assets: -0.75% (-$591.0 mil) Quarterly Pretax return on assets: -0.63% (-$496.5 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
14Total employees (full-time equivalent)
$78,804Total assets
$5,723Cash and due from depository institutions
$5,206Interest-bearing balances
$5,418Securities
$0Federal funds sold & reverse repurchase agreements
$58,987Net loans & leases
$1,685Loan loss allowance
$0Trading account assets
$2,026Bank premises and fixed assets
$5,926Other real estate owned
$0Goodwill and other intangibles
$78,804Life insurance assets
$724All other assets
$74,601Total liabilities and capital
$71,540Total liabilities
$65,662Total deposits
$71,540Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,000Trading liabilities
$0Other borrowed funds
$61Subordinated debt
$4,203All other liabilities
$4,203Total equity capital
$4,203Total bank equity capital
$0Perpetual preferred stock
$534Common stock
$11,391Surplus
$-7,722Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$7,790Income earned, not collected on loans
$0Earning assets
$199Long-term assets (5+ years)
$69,611Average Assets, year-to-date
$5,567Average Assets, quarterly
$87,894Volatile liabilities
$81,267Insider loans
$64,572FHLB advances
$80,032Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,062Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,883Restructured Loans and leases
$1,572Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,759Total interest income
$1,248Total interest expense
$2,511Net interest income
$896Provision for loan and lease losses
$382Total noninterest income
$0Fiduciary activities
$20Service charges on deposit accounts
$0Trading account gains & fees
$362Additional noninterest income
$2,654Total noninterest expense
$1,157Salaries and employee benefits
$207Premises and equipment expense
$1,290Additional noninterest expense
-$657Pre-tax net operating income
$0Securities gains (losses)
$4Applicable income taxes
-$661Income before extraordinary items
$0Extraordinary gains - net
-$661Net income attributable to bank
$0Net charge-offs
-$661Cash dividends
$1,987Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.76%Yield on earning assets
1.58%Cost of funding earning assets
3.18%Net interest margin
0.48%Noninterest income to earning assets
3.36%Noninterest expense to earning assets
-0.75%Net operating income to assets
-0.75%Return on assets (ROA)
-0.75%Pretax return on assets
-16.24%Return on equity (ROE)
-16.24%Retained earnings to average equity (YTD only)
2.97%Net charge-offs to loans
45.09%Credit loss provision to net charge-offs
0.12%Efficiency ratio
91,739Assets per employee
5.63%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.78%Loss allowance to noncurrent loans
21.63%Noncurrent assets plus other real estate owned to assets
17.41%Noncurrent loans to loans
12.84%Net loans and leases to deposits
82.45%Net loans and leases to core deposits
99.27%Equity capital to assets
5.33%Core capital (leverage) ratio
5.08%Tier 1 risk-based capital ratio
6.29%Total risk-based capital ratio
Memoranda
$8Average assets
$87,894Average earning assets
$4,071Average equity
$78,957Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
429739
1st Advantage Bank
240 Salt Lick Road, Saint Peters, MO 63376
January 31, 2005
Full Service Brick and Mortar
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