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SAFE & SOUND® STAR RATINGS

BANK @LANTEC


VIRGINIA BEACH, Virginia 23452

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 546384




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$110,655$109,076$95,537
Loans Receivable, Net91,07589,91175,482
Mortgage-Backed Securities5,6697,0867,107
Investments000
Deposits84,09181,79377,829
Borrowings13,00014,0004,750
Equity12,74512,49612,236
Net Interest Income2,6143,4063,016
Fee Income97139141
Overhead2,6143,5213,480
Net Operating Income415535266
Net Income248271173
Ratio Analysis Profitability%%%
Return on Assets *0.380.260.17
Operating Return on Assets *0.720.510.27
Return on Equity *3.312.201.41
Net Interest Margin *3.453.443.36
Fee Income / Assets *0.120.130.14
Overhead / Assets *3.203.383.52
Efficiency Ratio86.3093.5495.55
Asset Quality%%%
Nonperforming Assets / Assets0.720.971.71
Nonperforming Assets / Equity & Loss Reserves5.978.0212.66
Loss Reserves / Nonperforming Loans108.8595.6755.32
1-4 Fam Mtg + MBS / Assets65.8564.8259.71
Commercial Real Estate Loans / Assets19.8922.1123.45
Construction Loans / Assets0.760.730.87
Commercial & Industrial Loans / Assets0.611.042.14
Consumer Loans / Assets0.840.820.97
Capitalization%%%
Equity / Assets11.5211.4612.81
Tangible Capital / Tangible Assets11.5211.4612.81
Risk-based Capital Ratio16.5616.3017.18
Liquidity%%%
Loans / Deposits108.31109.9396.98
Non-Interest Bearing Deposits / Deposits8.998.988.55
Purchased Liabilities13.0014.296.41

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