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SAFE & SOUND® STAR RATINGS

ATLANTIC COMMUNITY BANK

ONE SHERIDAN PARK CIRCLE
BLUFFTON, South Carolina 29910

STAR RATING: 4 starstarstarstar
Predictive Indicator - (decline)
As of March 31, 2015
Federal Reserve System Identifier 3393785




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$78,703$78,457$77,788
Loans Receivable, Net62,03856,74759,726
Mortgage-Backed Securities000
Investments848875911
Deposits69,03968,15062,549
Borrowings1,2502,0008,000
Equity8,2328,1267,061
Net Interest Income6952,8772,242
Fee Income35155181
Overhead6352,6612,445
Net Operating Income10570-260
Net Income1011,041234
Ratio Analysis Profitability%%%
Return on Assets *1.411.390.30
Operating Return on Assets *0.130.09-0.34
Return on Equity *13.2713.313.34
Net Interest Margin *3.894.063.11
Fee Income / Assets *0.200.210.24
Overhead / Assets *3.453.543.19
Efficiency Ratio79.1888.7094.26
Asset Quality%%%
Nonperforming Assets / Assets2.662.434.05
Nonperforming Assets / Equity & Loss Reserves23.2721.5738.47
Loss Reserves / Nonperforming Loans74.3362.9595.54
1-4 Fam Mtg + MBS / Assets35.3333.5233.45
Commercial Real Estate Loans / Assets26.5524.4325.56
Construction Loans / Assets11.009.9711.98
Commercial & Industrial Loans / Assets3.873.764.33
Consumer Loans / Assets0.770.590.58
Capitalization%%%
Equity / Assets10.4610.369.08
Tangible Capital / Tangible Assets10.4610.369.08
Risk-based Capital Ratio12.6113.6512.92
Liquidity%%%
Loans / Deposits89.8683.2795.49
Non-Interest Bearing Deposits / Deposits38.1339.4239.41
Purchased Liabilities6.167.4415.76

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