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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 September 30, 2014
Federal Reserve System Identifier 3342671




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$102,471$103,085$106,978
Loans Receivable, Net64,03567,61079,657
Mortgage-Backed Securities13,86013,2418,090
Investments10,9219,1885,273
Deposits91,48194,328104,272
Borrowings000
Equity10,7428,4612,380
Net Interest Income2,6613,5413,921
Fee Income414056
Overhead2,6483,5573,902
Net Operating Income325123-3,117
Net Income1,693123-3,117
Ratio Analysis Profitability%%%
Return on Assets *1.630.12-2.62
Operating Return on Assets *0.350.12-2.62
Return on Equity *21.373.03-98.34
Net Interest Margin *3.603.653.62
Fee Income / Assets *0.050.040.05
Overhead / Assets *3.303.393.28
Efficiency Ratio94.1794.80102.04
Asset Quality%%%
Nonperforming Assets / Assets8.408.4417.44
Nonperforming Assets / Equity & Loss Reserves69.1584.06312.28
Loss Reserves / Nonperforming Loans23.7828.1923.42
1-4 Fam Mtg + MBS / Assets25.7026.1923.52
Commercial Real Estate Loans / Assets35.5036.6839.95
Construction Loans / Assets3.233.656.31
Commercial & Industrial Loans / Assets10.1510.8312.55
Consumer Loans / Assets2.582.372.20
Capitalization%%%
Equity / Assets10.488.212.22
Tangible Capital / Tangible Assets10.488.212.22
Risk-based Capital Ratio15.6413.873.89
Liquidity%%%
Loans / Deposits70.0071.6876.39
Non-Interest Bearing Deposits / Deposits11.7410.0410.90
Purchased Liabilities0.360.600.81

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