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SAFE & SOUND® STAR RATINGS

ANCHOR COMMERCIAL BANK

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

STAR RATING: 2 starstar
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 3342671




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$105,501$102,739$103,085
Loans Receivable, Net67,76360,02267,610
Mortgage-Backed Securities10,14715,37613,241
Investments6,9198,9429,188
Deposits94,03291,65794,328
Borrowings000
Equity11,23510,8308,461
Net Interest Income2,9013,6603,541
Fee Income365640
Overhead2,7133,5813,557
Net Operating Income713451123
Net Income4401,738123
Ratio Analysis Profitability%%%
Return on Assets *0.461.640.12
Operating Return on Assets *0.800.420.12
Return on Equity *4.3916.133.03
Net Interest Margin *3.923.733.65
Fee Income / Assets *0.050.050.04
Overhead / Assets *3.463.373.39
Efficiency Ratio83.0993.0194.80
Asset Quality%%%
Nonperforming Assets / Assets2.734.678.44
Nonperforming Assets / Equity & Loss Reserves23.2739.6584.06
Loss Reserves / Nonperforming Loans79.9036.3728.19
1-4 Fam Mtg + MBS / Assets24.2927.8026.19
Commercial Real Estate Loans / Assets35.0930.7536.68
Construction Loans / Assets2.242.843.65
Commercial & Industrial Loans / Assets10.7810.0410.83
Consumer Loans / Assets2.592.662.37
Capitalization%%%
Equity / Assets10.6510.548.21
Tangible Capital / Tangible Assets10.6510.548.21
Risk-based Capital Ratio15.7616.9913.87
Liquidity%%%
Loans / Deposits72.0665.4971.68
Non-Interest Bearing Deposits / Deposits13.4613.5310.04
Purchased Liabilities0.870.610.60

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