Atlantic Central Bankers Bank

ACBB's Financial Information

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Financial Highlights

June 30, 2010

Net Income (6 months)		$1,122,167
Total Assets		$752,774,907
Required Regulation F Information
Leverage Ratio		7.10%
Tier 1 Risk Based Capital Ratio		15.34%
Total Risk Based Capital Ratio		16.62%
Risk Based Assets to Capital Status-See Note Below		Well Capitalized
Loan Loss Reserve to NonPerforming Loans		67.50%
Loan Loss Reserve to NonPerforming Assets		55.06%
Loan Loss Reserve to Total Loans		4.00%
NonPerforming Assets to Total Assets		3.35%
Loans 30 Days and Over Past Due to Total Loans (Still Accruing)		0.64%
CDs as a Percentage of Total Funding		7.13%
Texas Ratio		37.04%

Additional Information for Correspondent Guidance

Ratio Trend Lines	6/30/10	3/31/10	12/31/09	9/30/09	6/30/09
Tier 1 Leverage	7.10%	7.54%	7.26%	7.47%	7.61%
Tier 1 Risk Based Capital	15.34%	14.50%	14.30%	13.33%	12.68%
Total Risk Based Capital	16.62%	15.78%	15.58%	14.61%	13.95%
NPAs to Total Assets	3.35%	3.39%	3.38%	4.01%	4.10%
Loan Loss Reserve to Total Loans	4.00%	3.71%	3.60%	2.98%	2.44%

Highline Information for 3/31/2010

Veribanc Information for 12/31/2009

Veribanc Rating

(as reported by SNL Financial)

Green

Note: Per Regulation F, a bank is considered adequately capitalized if: