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SAFE & SOUND® STAR RATINGS

ATLANTIC COMMUNITY BANK

ONE SHERIDAN PARK CIRCLE
BLUFFTON, South Carolina 29910

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 3393785




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$86,830$78,457$77,788
Loans Receivable, Net58,91356,74759,726
Mortgage-Backed Securities000
Investments805875911
Deposits75,66168,15062,549
Borrowings1,2502,0008,000
Equity9,7618,1267,061
Net Interest Income2,9042,8772,242
Fee Income134155181
Overhead2,7432,6612,445
Net Operating Income46070-260
Net Income1,6291,041234
Ratio Analysis Profitability%%%
Return on Assets *2.011.390.30
Operating Return on Assets *0.570.09-0.34
Return on Equity *17.4513.313.34
Net Interest Margin *3.884.063.11
Fee Income / Assets *0.170.210.24
Overhead / Assets *3.393.543.19
Efficiency Ratio78.2188.7094.26
Asset Quality%%%
Nonperforming Assets / Assets1.042.434.05
Nonperforming Assets / Equity & Loss Reserves8.6721.5738.47
Loss Reserves / Nonperforming Loans1525.0062.9595.54
1-4 Fam Mtg + MBS / Assets28.6733.5233.45
Commercial Real Estate Loans / Assets25.0124.4325.56
Construction Loans / Assets9.899.9711.98
Commercial & Industrial Loans / Assets2.933.764.33
Consumer Loans / Assets0.860.590.58
Capitalization%%%
Equity / Assets11.2410.369.08
Tangible Capital / Tangible Assets11.2410.369.08
Risk-based Capital Ratio13.9613.6512.92
Liquidity%%%
Loans / Deposits77.8683.2795.49
Non-Interest Bearing Deposits / Deposits46.7739.4239.41
Purchased Liabilities4.947.4415.76

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