SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 3 starstarstar
Predictive Indicator - (decline)
As of December 31, 2013
Federal Reserve System Identifier 3393785




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$77,788$80,096$92,534
Loans Receivable, Net59,72658,83964,335
Mortgage-Backed Securities005,483
Investments9111,0401,157
Deposits62,54962,27273,357
Borrowings8,00010,75012,250
Equity7,0616,8836,549
Net Interest Income2,2423,0403,346
Fee Income181201134
Overhead2,4452,5642,907
Net Operating Income-260-362-1,193
Net Income234-362-1,193
Ratio Analysis Profitability%%%
Return on Assets *0.30-0.45-1.28
Operating Return on Assets *-0.34-0.45-1.28
Return on Equity *3.34-5.33-17.74
Net Interest Margin *3.114.013.86
Fee Income / Assets *0.240.250.14
Overhead / Assets *3.193.163.13
Efficiency Ratio94.2688.9481.25
Asset Quality%%%
Nonperforming Assets / Assets4.053.384.72
Nonperforming Assets / Equity & Loss Reserves38.4733.2356.15
Loss Reserves / Nonperforming Loans95.54112.801.91
1-4 Fam Mtg + MBS / Assets33.4531.8834.73
Commercial Real Estate Loans / Assets25.5624.4524.48
Construction Loans / Assets11.9811.5011.91
Commercial & Industrial Loans / Assets4.334.243.86
Consumer Loans / Assets0.580.310.52
Capitalization%%%
Equity / Assets9.088.597.08
Tangible Capital / Tangible Assets9.088.597.08
Risk-based Capital Ratio12.9213.4811.08
Liquidity%%%
Loans / Deposits95.4994.4987.70
Non-Interest Bearing Deposits / Deposits39.4134.3528.44
Purchased Liabilities15.7618.6133.84

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