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SAFE & SOUND® STAR RATINGS

ANCHOR COMMERCIAL BANK

13951 U.S. HIGHWAY 1
JUNO BEACH, Florida 33408

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 3342671




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$102,739$103,085$106,978
Loans Receivable, Net60,02267,61079,657
Mortgage-Backed Securities15,37613,2418,090
Investments8,9429,1885,273
Deposits91,65794,328104,272
Borrowings000
Equity10,8308,4612,380
Net Interest Income3,6603,5413,921
Fee Income564056
Overhead3,5813,5573,902
Net Operating Income451123-3,117
Net Income1,738123-3,117
Ratio Analysis Profitability%%%
Return on Assets *1.640.12-2.62
Operating Return on Assets *0.420.12-2.62
Return on Equity *16.133.03-98.34
Net Interest Margin *3.733.653.62
Fee Income / Assets *0.050.040.05
Overhead / Assets *3.373.393.28
Efficiency Ratio93.0194.80102.04
Asset Quality%%%
Nonperforming Assets / Assets4.678.4417.44
Nonperforming Assets / Equity & Loss Reserves39.6584.06312.28
Loss Reserves / Nonperforming Loans36.3728.1923.42
1-4 Fam Mtg + MBS / Assets27.8026.1923.52
Commercial Real Estate Loans / Assets30.7536.6839.95
Construction Loans / Assets2.843.656.31
Commercial & Industrial Loans / Assets10.0410.8312.55
Consumer Loans / Assets2.662.372.20
Capitalization%%%
Equity / Assets10.548.212.22
Tangible Capital / Tangible Assets10.548.212.22
Risk-based Capital Ratio16.9913.873.89
Liquidity%%%
Loans / Deposits65.4971.6876.39
Non-Interest Bearing Deposits / Deposits13.5310.0410.90
Purchased Liabilities0.610.600.81

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