SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 3393785




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$69,215$77,788$80,096
Loans Receivable, Net58,68359,72658,839
Mortgage-Backed Securities000
Investments8929111,040
Deposits54,92762,54962,272
Borrowings7,0008,00010,750
Equity7,1367,0616,883
Net Interest Income7282,2423,040
Fee Income41181201
Overhead6632,4452,564
Net Operating Income77-260-362
Net Income68234-362
Ratio Analysis Profitability%%%
Return on Assets *0.310.30-0.45
Operating Return on Assets *-0.33-0.34-0.45
Return on Equity *3.293.34-5.33
Net Interest Margin *3.263.114.01
Fee Income / Assets *0.220.240.25
Overhead / Assets *3.343.193.16
Efficiency Ratio80.1794.2688.94
Asset Quality%%%
Nonperforming Assets / Assets3.784.053.38
Nonperforming Assets / Equity & Loss Reserves32.0038.4733.23
Loss Reserves / Nonperforming Loans103.5095.54112.80
1-4 Fam Mtg + MBS / Assets37.2433.4531.88
Commercial Real Estate Loans / Assets28.0025.5624.45
Construction Loans / Assets13.3911.9811.50
Commercial & Industrial Loans / Assets5.654.334.24
Consumer Loans / Assets0.660.580.31
Capitalization%%%
Equity / Assets10.319.088.59
Tangible Capital / Tangible Assets10.319.088.59
Risk-based Capital Ratio13.4812.9213.48
Liquidity%%%
Loans / Deposits106.8495.4994.49
Non-Interest Bearing Deposits / Deposits32.3139.4134.35
Purchased Liabilities13.7915.7618.61

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