Atlantic Community Bank

Atlantic Community Bank is headquartered in Bluffton and is the 63^rd largest bank in the state of South Carolina. It is also the 5,148^th largest bank in the nation. It was established in 2006 and as of December of 2011, it had grown to 16 employees at 3 locations. Atlantic Community Bank has a 2-star health rating.

Atlantic Community Bank Routing Number: 053208163

Data for Q4 2011

Institution Statistics Atlantic Community Bank FDIC Certificate # 58075 BankRate Report View Year Established 2006 Employees 16 Primary Regulator FDIC Assets and Liabilities Assets $92.53 million Loans $64.34 million Deposits $73.36 million Equity Capital $6.55 million Loan Loss Allowance $1.23 million Unbacked Noncurrent Loans $2.61 million Real Estate Owned $1.76 million Historic Data - December 2010 Assets $95.95 million Equity Capital $7.01 million Loan Loss Allowance $818,000 Unbacked Noncurrent Loans $3.51 million Real Estate Owned $198,000 Profit Margin - Quarterly Net Interest Margin 3.83% Return on Assets -1.28% Return on Equity -17.59% Interest Income $4.43 million

Institution Health Overall Score: 2 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Atlantic Community Bank had $4.37 million in non-current loans and owned real-estate with $7.78 million in equity and loan loss allowances on hand to cover it. This gives Atlantic Community Bank a Texas Ratio of 56.15% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Atlantic Community Bank increased slightly from 47.34% as of December 31, 2010 to 56.15% as of December 31, 2011, resulting in a negative change of 18.61%. This indicates that the balance sheet and financial strength for Atlantic Community Bank has declined slightly in recent periods. Deposit Growth In the past year, Atlantic Community Bank has decreased its total deposits by -$2.67 million, resulting in -3.51% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Atlantic Community Bank has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Atlantic Community Bank has $92.53 million in assets with $7.78 million in equity, resulting in a capitalization level of 8.40%, which is average.

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