Financial Highlights

Select Period:
 2017 FQ32016 FQ3 2017 FQ2 
Period Ended9/30/20179/30/2016Y-Y Ch (%)6/30/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets921,935936,893 (1.60) 912,5834.10
Total Net Loans790,547774,3142.10788,2471.17
Total Deposits676,416617,4969.54687,799 (6.62)
Total Equity91,39486,1266.1290,2834.92
Profitability (%)   
Net Income ($000) 1,1151,556 (28.34) 1,192 (25.84)
ROAA0.500.68 (18)  bp 0.55 (5)  bp
Core ROAA0.500.54 (4)  bp 0.437  bp
ROAE4.897.19 (230)  bp 5.28 (39)  bp
ROATCE4.897.19 (230)  bp 5.28 (39)  bp
Core ROAE4.865.71 (85)  bp 4.1373  bp
Reported: Net Interest Margin3.183.19 (1)  bp 3.19 (1)  bp
Efficiency Ratio77.0974.32277  bp 76.8326  bp
Noninterest Inc / Operating Rev15.3719.89 (452)  bp 18.59 (322)  bp
Balance Sheet Ratios (%)   
Loans / Deposits117.37125.41 (804)  bp 114.85252  bp
Securities / Assets5.036.36 (133)  bp 5.17 (14)  bp
Total Equity / Total Assets9.919.1972  bp 9.892  bp
Tangible Equity / Tangible Assets9.919.1972  bp 9.892  bp
Tang Common Equity / Tang Assets9.919.1972  bp 9.892  bp
Asset Quality (%)   
NPAs / Assets3.814.29 (48)  bp 3.87 (6)  bp
NPA Excl Restructured / Assets1.051.46 (41)  bp 1.10 (5)  bp
NPAs & 90+ PD / Assets3.814.29 (48)  bp 3.87 (6)  bp
NPAs / Loans & REO4.405.12 (72)  bp 4.43 (3)  bp
Nonaccrual & 90+ & OREO / Assets1.051.46 (41)  bp 1.10 (5)  bp
NPAs & 90+ PD / Loans & REO4.405.12 (72)  bp 4.43 (3)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR35.1942.67 (748)  bp 35.85 (66)  bp
NCOs / Avg Loans(0.01)0.05 (6)  bp 0.13 (14)  bp
Loan Loss Reserves / Gross Loans1.051.041  bp 1.032  bp
Reserves / NPAs23.9320.26367  bp 23.2865  bp
Loan Loss Provision / NCONM220.00NM78.60NM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 89,00382,3058.1487,8445.28
Tier 1 Capital ($000) 89,00382,3058.1487,8445.28
Tier 2 Capital ($000) 8,4058,1503.138,2209
Total Capital ($000) 97,40890,4557.6996,0645.60
Total Risk-weighted Assets ($000) 750,037673,839750,037742,495750,037
Tier 1 Common Capital (CET1) Ratio (%) 11.8712.21 (34)  bp 11.834  bp
Tier 1 Ratio (%) 11.8712.21 (34)  bp 11.834  bp
Total Capital Ratio (%) 12.9913.42 (43)  bp 12.945  bp
Leverage Ratio (%) 10.039.0994  bp 10.06 (3)  bp
Per Share Information ($)   
Common Shares Outstanding (actual) 15,553,70915,509,0610.2915,553,7090
Avg Diluted Shares (actual) 15,429,60915,420,0580.0615,422,6560.18
As-reported Book Value per Share5.885.555.955.805.52
Reported: Tangible Book Value5.885.555.955.805.52
EPS after Extra0.070.10 (30) 0.08 (50)
Core EPS0.070.08 (12.50) 0.0666.67
Diluted EPS before Amortization0.070.10 (30) 0.08 (50)
Pre-Provision Earnings per Share0.070.09 (22.22) 0.070
Loading ... ... Please wait loading
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



Copyright 2018, © S&P Global Market Intelligence  Terms of Use

Atlantic Coast Bank routing number: 261271717

Lost or stolen cards
During business hours: Call 1-800-342-2824; option 5
After hours: Call 1-800-342-2824; option 3, then option 1