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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 neutral
As of September 30, 2015
Federal Reserve System Identifier 3393785




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$80,270$78,457$77,788
Loans Receivable, Net59,26356,74759,726
Mortgage-Backed Securities000
Investments807875911
Deposits69,08868,15062,549
Borrowings1,2502,0008,000
Equity9,6998,1267,061
Net Interest Income2,1752,8772,242
Fee Income103155181
Overhead2,0132,6612,445
Net Operating Income35170-260
Net Income1,5651,041234
Ratio Analysis Profitability%%%
Return on Assets *2.011.390.30
Operating Return on Assets *0.510.09-0.34
Return on Equity *17.9513.313.34
Net Interest Margin *3.904.063.11
Fee Income / Assets *0.180.210.24
Overhead / Assets *3.383.543.19
Efficiency Ratio76.0288.7094.26
Asset Quality%%%
Nonperforming Assets / Assets2.082.434.05
Nonperforming Assets / Equity & Loss Reserves16.1321.5738.47
Loss Reserves / Nonperforming Loans244.1962.9595.54
1-4 Fam Mtg + MBS / Assets32.0533.5233.45
Commercial Real Estate Loans / Assets26.1024.4325.56
Construction Loans / Assets10.939.9711.98
Commercial & Industrial Loans / Assets3.243.764.33
Consumer Loans / Assets0.990.590.58
Capitalization%%%
Equity / Assets12.0810.369.08
Tangible Capital / Tangible Assets12.0810.369.08
Risk-based Capital Ratio13.7013.6512.92
Liquidity%%%
Loans / Deposits85.7883.2795.49
Non-Interest Bearing Deposits / Deposits41.9639.4239.41
Purchased Liabilities4.717.4415.76

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