SAFE & SOUND® STAR RATINGS

Financial statement

ATLANTIC COMMUNITY BANK
ONE SHERIDAN PARK CIRCLE
BLUFFTON, South Carolina 29910

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 3393785




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$79,317$77,788$80,096
Loans Receivable, Net60,12759,72658,839
Mortgage-Backed Securities000
Investments8919111,040
Deposits64,19062,54962,272
Borrowings7,0008,00010,750
Equity7,9477,0616,883
Net Interest Income1,4752,2423,040
Fee Income73181201
Overhead1,3272,4452,564
Net Operating Income-110-260-362
Net Income879234-362
Ratio Analysis Profitability%%%
Return on Assets *1.300.30-0.45
Operating Return on Assets *-0.68-0.34-0.45
Return on Equity *13.313.34-5.33
Net Interest Margin *3.373.114.01
Fee Income / Assets *0.210.240.25
Overhead / Assets *3.453.193.16
Efficiency Ratio98.9694.2688.94
Asset Quality%%%
Nonperforming Assets / Assets2.304.053.38
Nonperforming Assets / Equity & Loss Reserves20.2438.4733.23
Loss Reserves / Nonperforming Loans107.8095.54112.80
1-4 Fam Mtg + MBS / Assets35.0933.4531.88
Commercial Real Estate Loans / Assets26.6925.5624.45
Construction Loans / Assets9.5811.9811.50
Commercial & Industrial Loans / Assets3.924.334.24
Consumer Loans / Assets0.870.580.31
Capitalization%%%
Equity / Assets10.029.088.59
Tangible Capital / Tangible Assets10.029.088.59
Risk-based Capital Ratio12.7712.9213.48
Liquidity%%%
Loans / Deposits93.6795.4994.49
Non-Interest Bearing Deposits / Deposits36.7239.4134.35
Purchased Liabilities14.5215.7618.61

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

Connect with us