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ASSET QUALITYMay 31, 2013
Loans Past Due
More Than 30 Days $ 0.00 Million
Nonaccrual Loans $ 0.00 Million
Repossessed Assets
And Real Estate Owned
From Loan Defaults 0.00 Million
Real Estate Owned
From Branch Restructuring 1.29 Million
Total Nonperforming Assets $ 1.29 Million
Total Nonperforming Assets
As A Percentage Of Total Assets 0.40%
YEAR-OVER-YEAR NONINTEREST EXPENSE IMPROVEMENT
First Quarter
2012
First Quarter
2013
First Quarter 2013
Excluding $136,000 of
Branch Closing Expense
Comparing
First Quarter
2012 to
First Quarter 2013 Ex-Item
$2,081,000 $1,969,000 $1,833,000 $248,000 Decrease
FULL-TIME-EQUIVALENT EMPLOYEES (“FTEs”) AND ASSETS PER EMPLOYEE COMPARISONS
March 31, 2011
FTEs
March 31, 2013
FTEs Percentage Change
57 44 -22.8%
March 31, 2011
Assets Per Employee
March 31, 2013
Assets Per Employee Percentage Change
$4.77 Million $7.34 Million +53.9%
OPERATING COMPARISON OF MILITARY HIGHWAYAND LYNNHAVEN BRANCHES
February 2013
Military Highway Branch Lynnhaven Branch
Year opened 1977 2007
Deposits at
February 28, 2013$12.2 Million $67.7 Million
Demand Deposits at
February 28, 2013$ 3.0 Million $34.3 Million
Teller Transactions in
February 20132,085 1,504