Safe & Sound » Bank Ratings » ATLANTIC COMMUNITY BANK


SAFE & SOUND® STAR RATINGS

ATLANTIC COMMUNITY BANK

ONE SHERIDAN PARK CIRCLE
BLUFFTON, South Carolina 29910

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 3393785




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$78,457$77,788$80,096
Loans Receivable, Net56,74759,72658,839
Mortgage-Backed Securities000
Investments8759111,040
Deposits68,15062,54962,272
Borrowings2,0008,00010,750
Equity8,1267,0616,883
Net Interest Income2,8772,2423,040
Fee Income155181201
Overhead2,6612,4452,564
Net Operating Income70-260-362
Net Income1,041234-362
Ratio Analysis Profitability%%%
Return on Assets *1.390.30-0.45
Operating Return on Assets *0.09-0.34-0.45
Return on Equity *13.313.34-5.33
Net Interest Margin *4.063.114.01
Fee Income / Assets *0.210.240.25
Overhead / Assets *3.543.193.16
Efficiency Ratio88.7094.2688.94
Asset Quality%%%
Nonperforming Assets / Assets2.434.053.38
Nonperforming Assets / Equity & Loss Reserves21.5738.4733.23
Loss Reserves / Nonperforming Loans62.9595.54112.80
1-4 Fam Mtg + MBS / Assets33.5233.4531.88
Commercial Real Estate Loans / Assets24.4325.5624.45
Construction Loans / Assets9.9711.9811.50
Commercial & Industrial Loans / Assets3.764.334.24
Consumer Loans / Assets0.590.580.31
Capitalization%%%
Equity / Assets10.369.088.59
Tangible Capital / Tangible Assets10.369.088.59
Risk-based Capital Ratio13.6512.9213.48
Liquidity%%%
Loans / Deposits83.2795.4994.49
Non-Interest Bearing Deposits / Deposits39.4239.4134.35
Purchased Liabilities7.4415.7618.61

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

Connect with us