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SAFE & SOUND® STAR RATINGS

BANK @LANTEC


VIRGINIA BEACH, Virginia 23452

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 546384




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$109,076$95,537$102,065
Loans Receivable, Net89,91175,48270,389
Mortgage-Backed Securities7,0867,10714,817
Investments000
Deposits81,79377,82984,365
Borrowings14,0004,7504,750
Equity12,49612,23612,268
Net Interest Income3,4063,0162,999
Fee Income139141140
Overhead3,5213,4803,458
Net Operating Income535266451
Net Income271173269
Ratio Analysis Profitability%%%
Return on Assets *0.260.170.26
Operating Return on Assets *0.510.270.44
Return on Equity *2.201.412.21
Net Interest Margin *3.443.363.16
Fee Income / Assets *0.130.140.14
Overhead / Assets *3.383.523.35
Efficiency Ratio93.5495.5586.51
Asset Quality%%%
Nonperforming Assets / Assets0.971.711.53
Nonperforming Assets / Equity & Loss Reserves8.0212.6612.05
Loss Reserves / Nonperforming Loans95.6755.3267.55
1-4 Fam Mtg + MBS / Assets64.8259.7158.61
Commercial Real Estate Loans / Assets22.1123.4521.93
Construction Loans / Assets0.730.870.95
Commercial & Industrial Loans / Assets1.042.141.62
Consumer Loans / Assets0.820.971.03
Capitalization%%%
Equity / Assets11.4612.8112.02
Tangible Capital / Tangible Assets11.4612.8112.02
Risk-based Capital Ratio16.3017.1817.34
Liquidity%%%
Loans / Deposits109.9396.9883.43
Non-Interest Bearing Deposits / Deposits8.988.557.65
Purchased Liabilities14.296.416.66

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