First Advantage Bank

First Advantage Bank is headquartered in Coon Rapids and is the 241^st largest bank in the state of Minnesota. It is also the 5,943^rd largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 9 employees at 1 location. First Advantage Bank has a 3-star health rating.

First Advantage Bank Routing Number: 091017316

Data for Q1 2012

Institution Statistics First Advantage Bank FDIC Certificate # 57596 BankRate Report View Year Established 2003 Employees 9 Primary Regulator FDIC Assets and Liabilities Assets $64.53 million Loans $32.31 million Deposits $52.19 million Equity Capital $6.42 million Loan Loss Allowance $563,000 Unbacked Noncurrent Loans $3.03 million Real Estate Owned $1.48 million Historic Data - March 2011 Assets $58.80 million Equity Capital $5.42 million Loan Loss Allowance $789,000 Unbacked Noncurrent Loans $2.54 million Real Estate Owned $1.14 million Profit Margin - Quarterly Net Interest Margin 3.41% Return on Assets 0.13% Return on Equity 1.25% Interest Income $611,000

Institution Health Overall Score: 3 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 March 31, 2012 First Advantage Bank had $4.51 million in non-current loans and owned real-estate with $6.98 million in equity and loan loss allowances on hand to cover it. This gives First Advantage Bank a Texas Ratio of 64.58% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Advantage Bank held steady from 59.25% as of March 31, 2011 to 64.58% as of March 31, 2012, resulting in a negative change of 8.99%. This indicates that the balance sheet and financial strength for First Advantage Bank has held steady in recent periods. Deposit Growth In the past year, First Advantage Bank has increased its total deposits by $1.16 million, resulting in 2.27% 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 First Advantage Bank has shown is above average. 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. First Advantage Bank has $64.53 million in assets with $6.98 million in equity, resulting in a capitalization level of 10.82%, which is above average.

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