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 September 30, 2014
Federal Reserve System Identifier 3393785




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$77,504$77,788$80,096
Loans Receivable, Net57,52259,72658,839
Mortgage-Backed Securities000
Investments8619111,040
Deposits67,20862,54962,272
Borrowings2,0008,00010,750
Equity8,0797,0616,883
Net Interest Income2,1992,2423,040
Fee Income116181201
Overhead1,9812,4452,564
Net Operating Income14-260-362
Net Income1,003234-362
Ratio Analysis Profitability%%%
Return on Assets *1.370.30-0.45
Operating Return on Assets *-0.60-0.34-0.45
Return on Equity *13.773.34-5.33
Net Interest Margin *3.343.114.01
Fee Income / Assets *0.200.240.25
Overhead / Assets *3.493.193.16
Efficiency Ratio90.7194.2688.94
Asset Quality%%%
Nonperforming Assets / Assets2.734.053.38
Nonperforming Assets / Equity & Loss Reserves23.6038.4733.23
Loss Reserves / Nonperforming Loans98.3295.54112.80
1-4 Fam Mtg + MBS / Assets35.3933.4531.88
Commercial Real Estate Loans / Assets24.6925.5624.45
Construction Loans / Assets9.8111.9811.50
Commercial & Industrial Loans / Assets3.814.334.24
Consumer Loans / Assets0.630.580.31
Capitalization%%%
Equity / Assets10.429.088.59
Tangible Capital / Tangible Assets10.429.088.59
Risk-based Capital Ratio13.2612.9213.48
Liquidity%%%
Loans / Deposits85.5995.4994.49
Non-Interest Bearing Deposits / Deposits38.0339.4134.35
Purchased Liabilities7.3615.7618.61

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