Vitals
  • Total Assets
    483.1M 7.4 %
  • Total Deposits
    383.7M 6.6 %
  • Total Net Loans
    381.8M 11.1 %
  • Net Income
    3.1M 360.8 %
  • Book Value
    43.7M 9.2 %
  • Book Value x2
    87.5M 9.2 %
  • Book Value x3
    131.2M 9.2 %
ROAA

.682

ROAE

7.434

Efficiency Ratio

76.152

Net Interest Margin

3.547

Balance Sheet Highlights
Financial Highlights Bank Of Lancaster All Insured Commercial Banks in Virginia
Balance Sheet $(000)
Total Assets 483,134 858,303
Total Net Loans 381,813 607,607
Total Deposits 383,717 699,932
Total Equity 43,745 97,657
Profitability
Net Income 3,129 7,896
Return on Average Assets .682 .794
Return on Average Equity 7.434 6.983
Net Interest Margin 3.547 3.805
Efficiency Ratio 76.152 71.157
Noninterest Income/Revenue 14.809 16.327
Balance Sheet Ratios
Loan-to-Deposit 99.504 84.705
Securities/Assets .106 .136
Total Equity/Total Assets .091 .114
Tangible Equity/Tangible Assets .083 .103
Capital Adequacy
Tier 1 Common Capital 43,114 87,521
Tier 1 Capital 43,114 87,589
Tier 2 Capital 3,863 6,159
Total Capital 46,977 93,977
Total Risk Weighted Assets 343,250 657,024
Leverage Ratio 9.18 10.765
Common Equity Tier 1 Capital Ratio 12.56 14.768
Tier 1 Capital Ratio 12.56 14.769
Total Capital Ratio 13.69 15.893

Timeline for Bank Of Lancaster

Bay Banks Of Virginia, Inc.

Bay Banks Of Virginia, Inc. became a new parent organization for Bank Of Lancaster.

View Profile Jul 01 1997

Bay Services Company, Inc.

Bay Services Company, Inc. became a new subsidiary organization for Bank Of Lancaster.

View Profile Jul 01 1997

Bank Of Lancaster

Bank Of Lancaster was established 93 years ago and is currently headquartered in Kilmarnock, VA.

Nov 01 1930
Relationships Role Relationship Start Relationship End
Bay Banks Of Virginia, Inc. Parent 7/1/1997
Bay Services Company, Inc. Subsidary 6/30/2007
Bay Services Company, Inc. Subsidary 7/1/1997 6/29/2007
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