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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, 2015
Federal Reserve System Identifier 546384




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$113,039$109,076$95,537
Loans Receivable, Net93,44289,91175,482
Mortgage-Backed Securities5,3017,0867,107
Investments000
Deposits86,44781,79377,829
Borrowings13,00014,0004,750
Equity12,76612,49612,236
Net Interest Income3,4613,4063,016
Fee Income128139141
Overhead3,5383,5213,480
Net Operating Income493535266
Net Income297271173
Ratio Analysis Profitability%%%
Return on Assets *0.270.260.17
Operating Return on Assets *0.450.510.27
Return on Equity *2.342.201.41
Net Interest Margin *3.373.443.36
Fee Income / Assets *0.120.130.14
Overhead / Assets *3.213.383.52
Efficiency Ratio87.7793.5495.55
Asset Quality%%%
Nonperforming Assets / Assets0.700.971.71
Nonperforming Assets / Equity & Loss Reserves5.968.0212.66
Loss Reserves / Nonperforming Loans108.8595.6755.32
1-4 Fam Mtg + MBS / Assets65.7064.8259.71
Commercial Real Estate Loans / Assets20.2022.1123.45
Construction Loans / Assets0.730.730.87
Commercial & Industrial Loans / Assets0.531.042.14
Consumer Loans / Assets0.700.820.97
Capitalization%%%
Equity / Assets11.2911.4612.81
Tangible Capital / Tangible Assets11.2911.4612.81
Risk-based Capital Ratio16.3516.3017.18
Liquidity%%%
Loans / Deposits108.09109.9396.98
Non-Interest Bearing Deposits / Deposits9.148.988.55
Purchased Liabilities12.7314.296.41

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