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 March 31, 2014
Federal Reserve System Identifier 3342671




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$104,954$103,085$106,978
Loans Receivable, Net66,34967,61079,657
Mortgage-Backed Securities15,10213,2418,090
Investments10,0099,1885,273
Deposits94,02194,328104,272
Borrowings000
Equity10,6748,4612,380
Net Interest Income8973,5413,921
Fee Income94056
Overhead8283,5573,902
Net Operating Income170123-3,117
Net Income1,596123-3,117
Ratio Analysis Profitability%%%
Return on Assets *1.620.12-2.62
Operating Return on Assets *0.260.12-2.62
Return on Equity *27.763.03-98.34
Net Interest Margin *3.683.653.62
Fee Income / Assets *0.040.040.05
Overhead / Assets *3.373.393.28
Efficiency Ratio86.2594.80102.04
Asset Quality%%%
Nonperforming Assets / Assets7.658.4417.44
Nonperforming Assets / Equity & Loss Reserves63.8484.06312.28
Loss Reserves / Nonperforming Loans30.4928.1923.42
1-4 Fam Mtg + MBS / Assets26.2626.1923.52
Commercial Real Estate Loans / Assets35.4836.6839.95
Construction Loans / Assets3.243.656.31
Commercial & Industrial Loans / Assets11.5210.8312.55
Consumer Loans / Assets2.402.372.20
Capitalization%%%
Equity / Assets10.178.212.22
Tangible Capital / Tangible Assets10.178.212.22
Risk-based Capital Ratio14.9413.873.89
Liquidity%%%
Loans / Deposits70.5771.6876.39
Non-Interest Bearing Deposits / Deposits11.5710.0410.90
Purchased Liabilities0.590.600.81

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