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SAFE & SOUND® STAR RATINGS

BANK @LANTEC


VIRGINIA BEACH, Virginia 23452

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 546384




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$111,581$113,039$109,076
Loans Receivable, Net92,06893,44289,911
Mortgage-Backed Securities5,0025,3017,086
Investments000
Deposits87,98686,44781,793
Borrowings10,00013,00014,000
Equity12,75612,76612,496
Net Interest Income8473,4613,406
Fee Income28128139
Overhead9363,5383,521
Net Operating Income-21493535
Net Income-12297271
Ratio Analysis Profitability%%%
Return on Assets *0.190.270.26
Operating Return on Assets *0.320.450.51
Return on Equity *1.672.342.20
Net Interest Margin *3.313.373.44
Fee Income / Assets *0.110.120.13
Overhead / Assets *3.233.213.38
Efficiency Ratio102.3087.7793.54
Asset Quality%%%
Nonperforming Assets / Assets0.720.700.97
Nonperforming Assets / Equity & Loss Reserves5.985.968.02
Loss Reserves / Nonperforming Loans108.85108.8595.67
1-4 Fam Mtg + MBS / Assets64.8565.7064.82
Commercial Real Estate Loans / Assets20.7220.2022.11
Construction Loans / Assets0.720.730.73
Commercial & Industrial Loans / Assets0.500.531.04
Consumer Loans / Assets0.720.700.82
Capitalization%%%
Equity / Assets11.4311.2911.46
Tangible Capital / Tangible Assets11.4311.2911.46
Risk-based Capital Ratio16.5016.3516.30
Liquidity%%%
Loans / Deposits104.64108.09109.93
Non-Interest Bearing Deposits / Deposits9.149.148.98
Purchased Liabilities10.2112.7314.29

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