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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, 2015
Federal Reserve System Identifier 3342671




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$109,764$102,739$103,085
Loans Receivable, Net71,23560,02267,610
Mortgage-Backed Securities10,73615,37613,241
Investments6,8778,9429,188
Deposits98,14091,65794,328
Borrowings000
Equity11,42410,8308,461
Net Interest Income3,8973,6603,541
Fee Income495640
Overhead3,6623,5813,557
Net Operating Income1,143451123
Net Income7061,738123
Ratio Analysis Profitability%%%
Return on Assets *0.661.640.12
Operating Return on Assets *1.070.420.12
Return on Equity *6.3016.133.03
Net Interest Margin *3.853.733.65
Fee Income / Assets *0.050.050.04
Overhead / Assets *3.443.373.39
Efficiency Ratio81.4993.0194.80
Asset Quality%%%
Nonperforming Assets / Assets2.284.678.44
Nonperforming Assets / Equity & Loss Reserves20.2039.6584.06
Loss Reserves / Nonperforming Loans68.1936.3728.19
1-4 Fam Mtg + MBS / Assets24.6527.8026.19
Commercial Real Estate Loans / Assets34.5130.7536.68
Construction Loans / Assets2.132.843.65
Commercial & Industrial Loans / Assets11.5210.0410.83
Consumer Loans / Assets2.812.662.37
Capitalization%%%
Equity / Assets10.4110.548.21
Tangible Capital / Tangible Assets10.4110.548.21
Risk-based Capital Ratio16.7616.9913.87
Liquidity%%%
Loans / Deposits72.5965.4971.68
Non-Interest Bearing Deposits / Deposits15.2113.5310.04
Purchased Liabilities0.840.610.60

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