Vitals
  • Total Assets
    908.0M 6.0 %
  • Total Deposits
    630.5M 12.9 %
  • Total Net Loans
    727.0M 11.1 %
  • Net Income
    8.8M 74.9 %
  • Book Value
    85.8M 11.0 %
  • Book Value x2
    171.7M 11.0 %
  • Book Value x3
    257.5M 11.0 %
ROAA

.989

ROAE

10.825

Efficiency Ratio

71.414

Net Interest Margin

3.157

Balance Sheet Highlights
Financial Highlights Atlantic Coast Bank All Insured Savings Banks in Florida
Balance Sheet $(000)
Total Assets 908,000 3,025,401
Total Net Loans 726,969 2,623,152
Total Deposits 630,496 2,164,796
Total Equity 85,842 266,607
Profitability
Net Income 8,802 17,035
Return on Average Assets .989 .721
Return on Average Equity 10.825 3.273
Net Interest Margin 3.157 3.241
Efficiency Ratio 71.414 94.645
Noninterest Income/Revenue 18.225 16.59
Balance Sheet Ratios
Loan-to-Deposit 115.301 87.619
Securities/Assets .072 .036
Total Equity/Total Assets .095 .088
Tangible Equity/Tangible Assets .094 .076
Capital Adequacy
Tier 1 Common Capital 84,984 263,719
Tier 1 Capital 84,984 263,719
Tier 2 Capital 7,838 12,640
Total Capital 92,822 276,359
Total Risk Weighted Assets 625,799 1,952,254
Leverage Ratio 9.44 19.726
Common Equity Tier 1 Capital Ratio 13.58 55.428
Tier 1 Capital Ratio 13.58 55.428
Total Capital Ratio 14.83 56.21

Timeline for Atlantic Coast Bank

Atlantic Coast Federal, Mhc

Atlantic Coast Federal, Mhc became a new parent organization for Atlantic Coast Bank.

View Profile Jan 01 2003

Atlantic Coast Federal Corporation

Atlantic Coast Federal Corporation became a new parent organization for Atlantic Coast Bank.

View Profile Jan 01 2003

Atlantic Coast Financial Corporation

Atlantic Coast Financial Corporation became a new parent organization for Atlantic Coast Bank.

View Profile Nov 01 2000

Savannah J-Mers Credit Union

Acquisition: Atlantic Coast Bank acquired a new subsidiary, Savannah J-Mers Credit Union , 27 years

View Profile Jan 31 1997

Gaf Savannah Federal Credit Union

Acquisition: Atlantic Coast Bank acquired a new subsidiary, Gaf Savannah Federal Credit Union , 28 years

View Profile Aug 03 1995

Want to see more?

Complete timeline for Atlantic Coast Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Savannah J-Mers Credit Union Seller Discontinued 1/31/1997
Gaf Savannah Federal Credit Union Seller Discontinued 8/3/1995
Ware County Federal Credit Union Seller Discontinued 3/15/1995
Php Credit Association Credit Union Seller Discontinued 7/15/1992
Family Lines Cu Of Savannah Seller Discontinued 2/29/1992
Savamoco Empl Fcu Seller Discontinued 1/1/1992
Great Dane Empl Fcu Seller Discontinued 6/24/1991
Scl Empl Fcu Seller Discontinued 5/1/1990
Sav-A-Stop Fcu Seller Discontinued 5/1/1989
Aero Corp Empl Fcu Seller Discontinued 4/1/1988
Ware County Memorial Hospital Federal Credit Union Seller Discontinued 3/1/1985
Atlanta Division Employees Federal Credit Union Seller Discontinued 8/1/1982
Relationships Role Relationship Start Relationship End
Atlantic Coast Financial Corporation Parent 7/21/2011
Atlantic Coast Financial Corporation Parent 2/4/2011 7/20/2011
Atlantic Coast Federal, Mhc Parent 1/1/2003 2/4/2011
Atlantic Coast Federal Corporation Parent 1/1/2003 2/4/2011
Atlantic Coast Financial Corporation Parent 11/1/2000 2/3/2011
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