Advantage Bank

Advantage Bank is headquartered in Spencer and is the 179^th largest bank in the state of Oklahoma. It is also the 6,182^nd largest bank in the nation. It was established in 1913 and as of December of 2011, it had grown to 31 employees at 2 locations. Advantage Bank's money market rates are 59% higher than the national average, and it boasts a 5-star health rating.

Advantage Bank Routing Number: 103008815

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Data for Q4 2011

Institution Statistics Advantage Bank FDIC Certificate # 18152 BankRate Report View Year Established 1913 Employees 31 Primary Regulator FDIC Assets and Liabilities Assets $56.09 million Loans $34.25 million Deposits $49.51 million Equity Capital $6.50 million Loan Loss Allowance $388,000 Unbacked Noncurrent Loans $426,000 Real Estate Owned $595,000 Historic Data - December 2010 Assets $50.04 million Equity Capital $6.03 million Loan Loss Allowance $533,000 Unbacked Noncurrent Loans $133,000 Real Estate Owned $573,000 Profit Margin - Quarterly Net Interest Margin 5.28% Return on Assets 1.18% Return on Equity 9.57% Interest Income $2.77 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Advantage Bank had $1.02 million in non-current loans and owned real-estate with $6.88 million in equity and loan loss allowances on hand to cover it. This gives Advantage Bank a Texas Ratio of 14.83% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Advantage Bank held steady from 10.76% as of December 31, 2010 to 14.83% as of December 31, 2011, resulting in a negative change of 37.81%. This indicates that the balance sheet and financial strength for Advantage Bank has held steady in recent periods. Deposit Growth In the past year, Advantage Bank has increased its total deposits by $5.57 million, resulting in 12.67% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Advantage Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Advantage Bank has $56.09 million in assets with $6.88 million in equity, resulting in a capitalization level of 12.27%, which is excellent.

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