Company:  ATLANTIC COAST FINANCIAL ... (ACFC)
Form Type:  10-Q
Filing Date:  8/14/2012 
CIK:  0001404296 
Address:  505 HAINES AVE 
City, State, Zip:  WAYCROSS, Georgia 31501 
Telephone:  (800) 234-0642 
Fiscal Year:  12/31 
Last Trade
Last Trade: 
$4.25  
Change: 
0.00 (0.00%)  
Trade Time: 
Apr 24  
Market Cap: 
$65.91M
Description of Business
This Form 10-K contains forward-looking statements which are statements that are not historical or current facts. When used in this filing and in future filings by Atlantic Coast Financial Corporation with the Securities and Exchange Commission, in Atlantic Coast Financial Corporation�s press releases or other public or shareholder communications, or in oral statements made with the approval of an authorized executive officer, the words or phrases, �anticipate,� �would be,� �will allow,� �intends to,� �will likely result,� �are expected to,� will continue,� �is anticipated,� �estimated,� �projected,� or similar expressions are intended to identify, �forward looking statements.
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  FORM 10-Q
    Item 1 Financial Statements Part I Financial Information
      FINANCIAL STATEMENTS
        BALANCE SHEET
        INCOME STATEMENT
        STOCKHOLDERS EQUITY
        STOCKHOLDERS EQUITY
        CASH FLOW
        CASH FLOW
        NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS
      ITEM 2 - MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL ...
      ITEM 3. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT ...
      ITEM 4. CONTROLS AND PROCEDURES
    Part II - Other Information
      Item 1. Legal Proceedings
      Item 1A. Risk Factors
      Item 2. Unregistered Sales of Equity Securities and Use of ...
      Item 3. Defaults Upon Senior Securities
      Item 4. Mine Safety Disclosures
      Item 5. Other Information
      Item 6. Exhibits
    Signatures
  EXHIBIT 31.1
  EXHIBIT 31.2
  EXHIBIT 32
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