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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 March 31, 2015
Federal Reserve System Identifier 3342671




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$104,159$102,739$103,085
Loans Receivable, Net62,48960,02267,610
Mortgage-Backed Securities10,85715,37613,241
Investments11,9998,9429,188
Deposits92,80791,65794,328
Borrowings000
Equity11,12210,8308,461
Net Interest Income9163,6603,541
Fee Income145640
Overhead9193,5813,557
Net Operating Income399451123
Net Income2471,738123
Ratio Analysis Profitability%%%
Return on Assets *0.371.640.12
Operating Return on Assets *0.640.420.12
Return on Equity *3.5716.133.03
Net Interest Margin *3.753.733.65
Fee Income / Assets *0.060.050.04
Overhead / Assets *3.483.373.39
Efficiency Ratio75.2093.0194.80
Asset Quality%%%
Nonperforming Assets / Assets4.644.678.44
Nonperforming Assets / Equity & Loss Reserves39.4539.6584.06
Loss Reserves / Nonperforming Loans32.8936.3728.19
1-4 Fam Mtg + MBS / Assets23.0627.8026.19
Commercial Real Estate Loans / Assets31.9630.7536.68
Construction Loans / Assets2.492.843.65
Commercial & Industrial Loans / Assets10.6910.0410.83
Consumer Loans / Assets2.762.662.37
Capitalization%%%
Equity / Assets10.6810.548.21
Tangible Capital / Tangible Assets10.6810.548.21
Risk-based Capital Ratio17.5916.9913.87
Liquidity%%%
Loans / Deposits67.3365.4971.68
Non-Interest Bearing Deposits / Deposits13.8513.5310.04
Purchased Liabilities0.600.610.60

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