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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, 2015
Federal Reserve System Identifier 546384




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$108,026$109,076$95,537
Loans Receivable, Net87,61589,91175,482
Mortgage-Backed Securities6,6217,0867,107
Investments000
Deposits81,60381,79377,829
Borrowings13,00014,0004,750
Equity12,58712,49612,236
Net Interest Income8703,4063,016
Fee Income32139141
Overhead8773,5213,480
Net Operating Income114535266
Net Income72271173
Ratio Analysis Profitability%%%
Return on Assets *0.310.260.17
Operating Return on Assets *0.590.510.27
Return on Equity *2.712.201.41
Net Interest Margin *3.463.443.36
Fee Income / Assets *0.130.130.14
Overhead / Assets *3.303.383.52
Efficiency Ratio88.5093.5495.55
Asset Quality%%%
Nonperforming Assets / Assets0.740.971.71
Nonperforming Assets / Equity & Loss Reserves6.008.0212.66
Loss Reserves / Nonperforming Loans281.5095.6755.32
1-4 Fam Mtg + MBS / Assets63.5764.8259.71
Commercial Real Estate Loans / Assets21.7122.1123.45
Construction Loans / Assets0.780.730.87
Commercial & Industrial Loans / Assets1.021.042.14
Consumer Loans / Assets0.750.820.97
Capitalization%%%
Equity / Assets11.6511.4612.81
Tangible Capital / Tangible Assets11.6511.4612.81
Risk-based Capital Ratio16.3816.3017.18
Liquidity%%%
Loans / Deposits107.37109.9396.98
Non-Interest Bearing Deposits / Deposits8.448.988.55
Purchased Liabilities13.3014.296.41

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