SAFE & SOUND® STAR RATINGS

Financial statement

ANCHOR COMMERCIAL BANK
13951 U.S. HIGHWAY 1
JUNO BEACH, Florida 33408

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 3342671




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$105,802$103,085$106,978
Loans Receivable, Net65,58967,61079,657
Mortgage-Backed Securities12,40913,2418,090
Investments10,9449,1885,273
Deposits94,63594,328104,272
Borrowings000
Equity10,8628,4612,380
Net Interest Income1,7943,5413,921
Fee Income254056
Overhead1,6903,5573,902
Net Operating Income327123-3,117
Net Income1,694123-3,117
Ratio Analysis Profitability%%%
Return on Assets *1.690.12-2.62
Operating Return on Assets *0.390.12-2.62
Return on Equity *21.803.03-98.34
Net Interest Margin *3.693.653.62
Fee Income / Assets *0.040.040.05
Overhead / Assets *3.293.393.28
Efficiency Ratio90.1894.80102.04
Asset Quality%%%
Nonperforming Assets / Assets7.268.4417.44
Nonperforming Assets / Equity & Loss Reserves61.0284.06312.28
Loss Reserves / Nonperforming Loans32.6328.1923.42
1-4 Fam Mtg + MBS / Assets23.5526.1923.52
Commercial Real Estate Loans / Assets34.7236.6839.95
Construction Loans / Assets3.153.656.31
Commercial & Industrial Loans / Assets11.0010.8312.55
Consumer Loans / Assets2.412.372.20
Capitalization%%%
Equity / Assets10.278.212.22
Tangible Capital / Tangible Assets10.278.212.22
Risk-based Capital Ratio15.1813.873.89
Liquidity%%%
Loans / Deposits69.3171.6876.39
Non-Interest Bearing Deposits / Deposits12.2610.0410.90
Purchased Liabilities0.590.600.81

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