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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 March 31, 2016
Federal Reserve System Identifier 3393785




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$82,514$86,830$78,457
Loans Receivable, Net63,91558,91356,747
Mortgage-Backed Securities000
Investments766805875
Deposits71,21075,66168,150
Borrowings1,2501,2502,000
Equity9,8679,7618,126
Net Interest Income7512,9042,877
Fee Income26134155
Overhead7122,7432,661
Net Operating Income15746070
Net Income991,6291,041
Ratio Analysis Profitability%%%
Return on Assets *1.982.011.39
Operating Return on Assets *0.620.570.09
Return on Equity *16.6917.4513.31
Net Interest Margin *3.923.884.06
Fee Income / Assets *0.150.170.21
Overhead / Assets *3.433.393.54
Efficiency Ratio63.6378.2188.70
Asset Quality%%%
Nonperforming Assets / Assets1.271.042.43
Nonperforming Assets / Equity & Loss Reserves9.848.6721.57
Loss Reserves / Nonperforming Loans218.131525.0062.95
1-4 Fam Mtg + MBS / Assets34.4328.6733.52
Commercial Real Estate Loans / Assets28.6325.0124.43
Construction Loans / Assets10.799.899.97
Commercial & Industrial Loans / Assets2.782.933.76
Consumer Loans / Assets0.910.860.59
Capitalization%%%
Equity / Assets11.9611.2410.36
Tangible Capital / Tangible Assets11.9611.2410.36
Risk-based Capital Ratio13.6313.9613.65
Liquidity%%%
Loans / Deposits89.7677.8683.27
Non-Interest Bearing Deposits / Deposits46.2946.7739.42
Purchased Liabilities5.234.947.44

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