Company:  ATLANTIC COAST FINANCIAL ... (ACFC)
Form Type:  10-K
Filing Date:  3/28/2012 
CIK:  0001404296 
Address:  505 HAINES AVE 
City, State, Zip:  WAYCROSS, Georgia 31501 
Telephone:  (800) 234-0642 
Fiscal Year:  12/31 
Last Trade
Last Trade: 
$4.11  
Change: 
-0.03 (-0.73%)  
Trade Time: 
Apr 17  
Market Cap: 
$63.74M
Description of Business
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  FORM 10-K
    Part I
      Item 1 Business
      Item 1A Risk Factors
      Item 1B Unresolved Staff Comments
      Item 2 Properties
      Item 3 Legal Proceedings
      Item 4 Mine Safety Disclosures
    Part II
      Item 5 Market for Registrant's Common Equity, Related ...
      Item 6 Selected Financial Data
      Item 7 Management's Discussion and Analysis of Financial ...
      Item 7A Quantitative and Qualitative Disclosures about ...
      Item 8 Financial Statements and Supplementary Data
        REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
        Report of Independent Registered Public Accounting Firm
        BALANCE SHEET
        INCOME STATEMENT
        STOCKHOLDERS EQUITY
        STOCKHOLDERS EQUITY
        STOCKHOLDERS EQUITY
        CASH FLOW
        CASH FLOW
        NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
          BALANCE SHEET
      Item 9 Changes in and Disagreements with Accountants on ...
      Item 9A Controls and Procedures
      Item 9B Other Information
    Part III
      Item 10 Directors, Executive Officers and Corporate Governance.
      Item 11 Executive Compensation.
      Item 12 Security Ownership of Certain Beneficial Owners and ...
      Item 13 Certain Relationships and Related Transactions, and ...
      Item 14 Principal Accountant Fees and Services.
    Part IV
      Item 15 Exhibits and Financial Statement Schedules
    Reports of Independent Registered Public Accounting Firms
    SIGNATURES
  EXHIBIT 10.5
  EXHIBIT 10.12
  EXHIBIT 21
    SUBSIDIARIES
  EXHIBIT 23.1
    CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
  EXHIBIT 23.2
    CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
  EXHIBIT 31.1
  EXHIBIT 31.2
  EXHIBIT 32
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