ACFC / Atlantic Coast Financial Corp. - Pengajuan SECLaporan Tahunan, Pernyataan Proksi

Atlantic Coast Financial Corp.
US ˙ NASDAQ
HINDI NA ACTIVE ANG SIMBONG ITO

Mga Batayang Estadistika
CIK 1404296
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Atlantic Coast Financial Corp.
SEC Filings (Chronological Order)
Halaman ini menyediakan daftar lengkap dan kronologis dari Pengajuan SEC, tidak termasuk pengajuan kepemilikan yang kami sediakan di tempat lain.
June 11, 2018 SC 13D/A

ACFC / Atlantic Coast Financial Corp. / PL Capital, LLC Activist Investment

CUSIP No. 048426100 Page 1 of 19 Pages UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 AMENDMENT NO. 1 TO SCHEDULE 13D/A Under the Securities Exchange Act of 1934 ATLANTIC COAST FINANCIAL CORPORATION (Name of Issuer) Common Stock, $0.01 par value (Title of Class of Securities) 048426100 (CUSIP Number) Mr. Richard J. Lashley PL Capital, LLC 67 Park Place East Suite 675 Morri

June 8, 2018 15-12B

AFCF / Atlantic Coast Financial CORP 15-12B

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES AND EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. Commission File No. 001-35072 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as

May 30, 2018 S-8 POS

AFCF / Atlantic Coast Financial CORP S-8 POS

As filed with the Securities and Exchange Commission on May 30, 2018 Registration No.

May 30, 2018 S-8 POS

AFCF / Atlantic Coast Financial CORP S-8 POS

As filed with the Securities and Exchange Commission on May 30, 2018 Registration No.

May 29, 2018 8-K

Changes in Control of Registrant, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Termination of a Material Definitive Agreement, Material Modification to Rights of Security Holders, Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing, Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): May 25, 2018 Atlantic Coast Financial Corporation (Exact Name of Registrant as Specified in Charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction (Commission File Number

May 10, 2018 10-Q

AFCF / Atlantic Coast Financial CORP FORM 10-Q (Quarterly Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2018 Commission file number: 001-35072 (Exact name of registrant as specified in its charter) Maryland 65-1310069 (State or other jurisdiction of incorporation or organization) (I.R.S. Empl

May 10, 2018 EX-99.1

Atlantic coast Financial CORPORATION reports first quarter 2018 earnings of $0.09 per diluted share merger with Ameris Bancorp has received stockholder and regulatory approval

Exhibit 99.1 For additional information contact: Tracy L. Keegan Executive Vice President and Chief Financial Officer (904) 998-5501 Atlantic coast Financial CORPORATION reports first quarter 2018 earnings of $0.09 per diluted share merger with Ameris Bancorp has received stockholder and regulatory approval JACKSONVILLE, Fla. (May 10, 2018) – Atlantic Coast Financial Corporation (Atlantic Coast or

May 10, 2018 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 10, 2018 (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commission File Number) 65-1310069 (I.R.S. Emplo

March 22, 2018 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 21, 2018 (Exact name of registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction (Commission (I.R.S. Employer of Incorporation) File Nu

March 22, 2018 EX-99.1

Atlantic coast Financial CORPORATION STOCKHOLDERS APPROVE MERGER WITH AMERIS BANCORP

Exhibit 99.1 For additional information contact: Tracy L. Keegan Executive Vice President and Chief Financial Officer (904) 998-5501 Atlantic coast Financial CORPORATION STOCKHOLDERS APPROVE MERGER WITH AMERIS BANCORP JACKSONVILLE, Fla. (March 22, 2018) – Atlantic Coast Financial Corporation (the Company; NASDAQ: ACFC), the holding company for Atlantic Coast Bank, today announced that at a special

March 16, 2018 10-K

ACFC / Atlantic Coast Financial Corp. FORM 10-K (Annual Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2017 Commission file number: 001-35072 (Exact name of registrant as specified in its charter) Maryland 65-1310069 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer

March 16, 2018 EX-21

Subsidiaries of Registrant

Exhibit 21 Subsidiaries of Registrant As of March 1, 2018 (100% direct or indirect ownership by Atlantic Coast Financial Corporation) Name Parent Company State of Incorporation Atlantic Coast Bank Atlantic Coast Financial Corporation Florida Atlantic Coast Financial Investments, Inc. Atlantic Coast Bank Florida

March 8, 2018 DEFA14A

ACFC / Atlantic Coast Financial Corp. DEFINITIVE ADDITIONAL MATERIALS

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 8, 2018 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 8, 2018 (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commission File Number) 65-1310069 (I.R.S. Empl

March 8, 2018 425

ACFC / Atlantic Coast Financial Corp. FORM 8-K (Prospectus)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 8, 2018 (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commission File Number) 65-1310069 (I.R.S. Empl

March 7, 2018 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 6, 2018 (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commission File Number) 65-1310069 (I.R.S. Empl

March 7, 2018 425

ACFC / Atlantic Coast Financial Corp. FORM 8-K (Prospectus)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 6, 2018 (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commission File Number) 65-1310069 (I.R.S. Empl

February 20, 2018 DEFM14A

ACFC / Atlantic Coast Financial Corp. DEFINITIVE PROXY STATEMENT

tv486105-defm14a - none - 10.0374435s TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.??) Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? ? Confidential, for Use of the C

February 14, 2018 SC 13G/A

ACFC / Atlantic Coast Financial Corp. / FJ Capital Management LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 4) * Atlantic Coast Financial Corporation (ACFC) (Name of Issuer) Common Stock (Title of Class of Securities) 048426100 (CUSIP Number) 12/31/2017 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant

February 14, 2018 SC 13G/A

ACFC / Atlantic Coast Financial Corp. / EJF Capital LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1) Atlantic Coast Financial Corp. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 048426100 (CUSIP Number) December 31, 2017 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designat

February 13, 2018 SC 13G/A

ACFC / Atlantic Coast Financial Corp. / TFO USA Ltd - AMENDMENT NO. 4 Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 4)* Atlantic Coast Financial Corporation (Name of Issuer) Common Stock (Title of Class of Securities) 048426100 (CUSIP Number) December 31, 2017 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant

January 23, 2018 EX-99.1

Atlantic coast Financial CORPORATION’s fourth quarter 2017 NET LOSS OF $0.04 per diluted share INCLUDED $0.14 IN CHARGES RELATED TO TAX ACT AND PENDING MERGER

Exhibit 99.1 For additional information contact: Tracy L. Keegan Executive Vice President and Chief Financial Officer (904) 998-5501 Atlantic coast Financial CORPORATION?s fourth quarter 2017 NET LOSS OF $0.04 per diluted share INCLUDED $0.14 IN CHARGES RELATED TO TAX ACT AND PENDING MERGER ? Portfolio loans increased $118 million since December 2016. ? Deposits increased $47 million during the la

January 23, 2018 8-K

Results of Operations and Financial Condition

8-K 1 tv4837668k.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 23, 2018 (Exact name of registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction of Incorporation) (Com

December 20, 2017 SC 13D/A

ACFC / Atlantic Coast Financial Corp. / Albury Investment Partnership - SC 13D/A Activist Investment

SC 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 2)* ATLANTIC COAST FINANCIAL CORPORATION (Name of Issuer) Common Stock, Par Value $0.01 per share (Title of Class of Securities) 048426100 (CUSIP Number) The Albury Investment Partnership C/O Oxley Advisers Pty Limited Suite 32.01, Level 32, Governo

November 17, 2017 EX-99.1

Ameris Bancorp Signs Definitive Merger Agreement to Acquire Atlantic Coast Financial Corporation

Exhibit 99.1 For Immediate Release Ameris Bancorp Signs Definitive Merger Agreement to Acquire Atlantic Coast Financial Corporation Moultrie, GA and Jacksonville, FL, November 17, 2017 /PRNewswire/ - Ameris Bancorp (Nasdaq: ABCB) (?Ameris?), the parent company of Ameris Bank, announced today the signing of a definitive merger agreement under which Ameris will acquire Atlantic Coast Financial Corpo

November 17, 2017 EX-99.2

Acquisition of Atlantic Coast Financial Corporation November 17, 2017

Exhibit 99.2 Acquisition of Atlantic Coast Financial Corporation November 17, 2017 Forward - Looking Statements 2 This presentation contains ?forward - looking statements? as defined in the Private Securities Litigation Reform Act of 1995. In general, forward - looking statements usually use words such as ?may,? ?believe,? ?expect,? ?anticipate,? ?intend,? ?will,? ?should,? ?plan,? ?estimate,? ?pr

November 17, 2017 EX-2.1

Agreement and Plan of Merger by and between Ameris Bancorp and Atlantic Coast Financial Corporation

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER by and between AMERIS BANCORP and ATLANTIC COAST FINANCIAL CORPORATION Dated as of November 16, 2017 Table of Contents Page ARTICLE I MERGER 2 1.1 The Merger 2 1.2 Merger Consideration 2 1.3 Delivery of the Merger Consideration 4 1.4 Closing 6 1.5 Articles of Incorporation and Bylaws of Ameris 7 1.6 Officers and Directors of Ameris 7 1.7 Tax-Free Reorganiza

November 17, 2017 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 16, 2017 (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commission File Number) 65-1310069 (I.R.S.

November 17, 2017 EX-2.1

Agreement and Plan of Merger dated as of November 16, 2017 by and between Ameris Bancorp and Atlantic Coast Financial Corporation*

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER by and between AMERIS BANCORP and ATLANTIC COAST FINANCIAL CORPORATION Dated as of November 16, 2017 Table of Contents Page ARTICLE I MERGER 2 1.1 The Merger 2 1.2 Merger Consideration 2 1.3 Delivery of the Merger Consideration 4 1.4 Closing 6 1.5 Articles of Incorporation and Bylaws of Ameris 7 1.6 Officers and Directors of Ameris 7 1.7 Tax-Free Reorganiza

November 17, 2017 425

ACFC / Atlantic Coast Financial Corp. 8-K (Prospectus)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 16, 2017 (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commission File Number) 65-1310069 (I.R.S.

November 17, 2017 EX-99.2

Acquisition of Atlantic Coast Financial Corporation November 17, 2017

Exhibit 99.2 Acquisition of Atlantic Coast Financial Corporation November 17, 2017 Forward - Looking Statements 2 This presentation contains “forward - looking statements” as defined in the Private Securities Litigation Reform Act of 1995. In general, forward - looking statements usually use words such as “may,” “believe,” “expect,” “anticipate,” “intend,” “will,” “should,” “plan,” “estimate,” “pr

November 17, 2017 EX-99.1

Ameris Bancorp Signs Definitive Merger Agreement to Acquire Atlantic Coast Financial Corporation

Exhibit 99.1 For Immediate Release Ameris Bancorp Signs Definitive Merger Agreement to Acquire Atlantic Coast Financial Corporation Moultrie, GA and Jacksonville, FL, November 17, 2017 /PRNewswire/ - Ameris Bancorp (Nasdaq: ABCB) (?Ameris?), the parent company of Ameris Bank, announced today the signing of a definitive merger agreement under which Ameris will acquire Atlantic Coast Financial Corpo

November 9, 2017 10-Q

ACFC / Atlantic Coast Financial Corp. FORM 10-Q (Quarterly Report)

10-Q 1 tv47796310q.htm FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2017 Commission file number: 001-35072 (Exact name of registrant as specified in its charter) Maryland 65-1310069 (State or other jurisdiction of (I.R.S

October 24, 2017 8-K

Results of Operations and Financial Condition

8-K 1 tv4775548k.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 24, 2017 (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commission Fil

October 24, 2017 EX-99.1

Atlantic coast Financial CORPORATION reports third quarter 2017 earnings of $0.07 per diluted share

Exhibit 99.1 For additional information contact: Tracy L. Keegan Executive Vice President and Chief Financial Officer (904) 998-5501 Atlantic coast Financial CORPORATION reports third quarter 2017 earnings of $0.07 per diluted share · Portfolio loans increased almost $100 million since September 2016. · Deposits increased nearly $59 million during the last 12 months. · Credit quality remained stro

August 9, 2017 10-Q

ACFC / Atlantic Coast Financial Corp. 10-Q (Quarterly Report)

10-Q 1 v47190710q.htm 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2017 Commission file number: 001-35072 (Exact name of registrant as specified in its charter) Maryland 65-1310069 (State or other jurisdiction of (I.R.S. Employer

July 25, 2017 EX-99.1

Atlantic coast Financial CORPORATION reports second quarter 2017 earnings of $0.08 per diluted share

Exhibit 99.1 For additional information contact: Tracy L. Keegan Executive Vice President and Chief Financial Officer (904) 998-5501 Atlantic coast Financial CORPORATION reports second quarter 2017 earnings of $0.08 per diluted share · Portfolio loans increased nearly $57 million since June 2016. · Deposits increased over $117 million during the last 12 months. · Other real estate owned (OREO) dec

July 25, 2017 8-K

Results of Operations and Financial Condition

8-K 1 v4714058k.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 25, 2017 (Exact name of registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction of Incorporation) (Commiss

June 29, 2017 11-K

Atlantic Coast Financial FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K ? ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the fiscal year ended December 31, 2016 OR ? TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the transition period from to Commission File Number 001-35072 A. Full title of the plan and the ad

May 23, 2017 EX-99.1

ATLANTIC COAST FINANCIAL CORPORATION RE-ELECTS DIRECTORS W. ERIC PALMER, JAY S. SIDHU AND JOHN K. STEPHENS, JR.

Exhibit 99.1 For additional information contact: Tracy L. Keegan Executive Vice President and Chief Financial Officer (904) 998-5501 ATLANTIC COAST FINANCIAL CORPORATION RE-ELECTS DIRECTORS W. ERIC PALMER, JAY S. SIDHU AND JOHN K. STEPHENS, JR. JACKSONVILLE, Fla. (May 23, 2017) ? Atlantic Coast Financial Corporation (the Company, NASDAQ: ACFC), the holding company for Atlantic Coast Bank (the Bank

May 23, 2017 8-K

Current Report

8-K 1 v4676928k.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 22, 2017 (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commission File Num

May 10, 2017 10-Q

Atlantic Coast Financial 10-Q (Quarterly Report)

10-Q 1 v46567310q.htm 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2017 Commission file number: 001-35072 (Exact name of registrant as specified in its charter) Maryland 65-1310069 (State or other jurisdiction of incorporation or

April 25, 2017 8-K

Results of Operations and Financial Condition

8-K 1 v4650268k.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 25, 2017 (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commission File N

April 25, 2017 EX-99.1

Atlantic coast Financial CORPORATION reports FIRST quarter 2017 earnings of $0.10 per diluted share

Exhibit 99.1 For additional information contact: Tracy L. Keegan Executive Vice President and Chief Financial Officer (904) 998-5501 Atlantic coast Financial CORPORATION reports FIRST quarter 2017 earnings of $0.10 per diluted share · Portfolio loans increased over $42 million in the first three months of 2017. · Deposits increased over $57 million in the first three months of 2017. · Credit quali

April 18, 2017 DEF 14A

Atlantic Coast Financial DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 14, 2017 10-K

Atlantic Coast Financial 10-K (Annual Report)

10-K 1 v46080410k.htm 10-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2016 Commission file number: 001-35072 (Exact name of registrant as specified in its charter) Maryland 65-1310069 (State or other jurisdiction of incorporation or orga

February 14, 2017 SC 13G/A

ACFC / Atlantic Coast Financial Corp. / FJ Capital Management LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3) * Atlantic Coast Financial Corporation (ACFC) (Name of Issuer) Common Stock (Title of Class of Securities) 048426100 (CUSIP Number) 12/31/2016 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant

February 14, 2017 SC 13G/A

ACFC / Atlantic Coast Financial Corp. / TFO USA Ltd - AMENDMENT NO. 3 TO SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3)* Atlantic Coast Financial Corporation (Name of Issuer) Common Stock (Title of Class of Securities) 048426100 (CUSIP Number) December 31, 2016 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant

February 13, 2017 SC 13G/A

ACFC / Atlantic Coast Financial Corp. / RMB Capital Management, LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No.

February 9, 2017 SC 13G/A

ACFC / Atlantic Coast Financial Corp. / Wellington Management Group LLP - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2 )* Atlantic Coast Financial Corporation (Name of Issuer) Common Stock (Title of Class of Securities) 048426100 (CUSIP Number) December 30, 2016 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant

January 24, 2017 8-K

Results of Operations and Financial Condition

8-K 1 v4574168k.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 24, 2017 (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commission File

January 24, 2017 EX-99.1

Atlantic coast Financial CORPORATION FOURTH quarter 2016 earnings INCREASE TO $0.13 per diluted share

Exhibit 99.1 For additional information contact: Tracy L. Keegan Executive Vice President and Chief Financial Officer (904) 998-5501 Atlantic coast Financial CORPORATION FOURTH quarter 2016 earnings INCREASE TO $0.13 per diluted share ? Earnings per diluted share more than tripled versus the same quarter last year. ? Earnings per diluted share of $0.42 for 2016. ? Deposit growth of 13% surpassed l

January 3, 2017 8-K

Current Report

8-K 1 v4560928k.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 27, 2016 (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commission Fil

October 26, 2016 8-K

Results of Operations and Financial Condition

8-K 1 v4512798k.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 26, 2016 (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commission File

October 26, 2016 EX-99.1

Atlantic coast Financial CORPORATION THIRD quarter 2016 earnings INCREASE TO $0.10 per diluted share

Exhibit 99.1 For additional information contact: Tracy L. Keegan Executive Vice President and Chief Financial Officer (904) 998-5501 Atlantic coast Financial CORPORATION THIRD quarter 2016 earnings INCREASE TO $0.10 per diluted share ? Earnings per diluted share grew 43% over the same quarter last year. ? Loans increased 30% over the last 12 months, while deposits grew 24% over the last 12 months.

September 8, 2016 8-K

Regulation FD Disclosure

8-K 1 v4484798k.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 8, 2016 (Exact name of registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction of Incorporation) (Com

September 8, 2016 EX-99.1

ATLANTIC COAST FINANCIAL CORPORATION Investor Presentation September 2016

Exhibit 99.1 ATLANTIC COAST FINANCIAL CORPORATION Investor Presentation September 2016 This presentation, as well as other written or oral communications made from time to time by us, may contain forward - looking statements, as defined by Federal Securities Laws, relating to present or future trends or factors affecting the operations, markets and products of Atlantic Coast Financial Corporation

August 31, 2016 SC 13G

ACFC / Atlantic Coast Financial Corp. / EJF Capital LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 Atlantic Coast Financial Corp. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 048426100 (CUSIP Number) August 25, 2016 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant

August 15, 2016 10-Q

Atlantic Coast Financial FORM 10-Q (Quarterly Report)

10-Q 1 v44553210q.htm FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2016 Commission file number: 001-35072 (Exact name of registrant as specified in its charter) Maryland 65-1310069 (State or other jurisdiction of (I.R.S. Empl

August 15, 2016 10-Q

Atlantic Coast Financial FORM 10-Q (Quarterly Report)

10-Q 1 v44553210q.htm FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2016 Commission file number: 001-35072 (Exact name of registrant as specified in its charter) Maryland 65-1310069 (State or other jurisdiction of (I.R.S. Empl

July 27, 2016 EX-99.1

Atlantic coast Financial CORPORATION REPORts earnings of $0.09 per diluted share for the Second quarter of 2016 Florida expansion continues to drive strong results

Exhibit 99.1 For additional information contact: Tracy L. Keegan Executive Vice President and Chief Financial Officer (904) 998-5501 Atlantic coast Financial CORPORATION REPORts earnings of $0.09 per diluted share for the Second quarter of 2016 Florida expansion continues to drive strong results JACKSONVILLE, Fla. (July 27, 2016) ? Atlantic Coast Financial Corporation (Atlantic Coast or the Compan

July 27, 2016 8-K

Results of Operations and Financial Condition

8-K 1 v4451638k.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 27, 2016 (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commission File Number)

July 6, 2016 S-8 POS

Atlantic Coast Financial S-8 POS

Registration No. 333-212386 As filed with the Securities and Exchange Commission on July 6, 2016 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 AMENDMENT NO. 1 TO FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland 65-1310069 (State or other jurisdiction of (I.

July 1, 2016 S-8

Atlantic Coast Financial S-8

S-8 1 v443478s8.htm S-8 Registration No. As filed with the Securities and Exchange Commission on July 1, 2016 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland 65-1310069 (State or other jurisdiction of (I.R.S. E

June 23, 2016 11-K

Atlantic Coast Financial FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the fiscal year ended December 31, 2015 OR ? TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the transition period from to Commission File Number 001-35072 A. Full title of the plan and the ad

June 15, 2016 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 10, 2016 (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commission File Number) 65-1310069 (I.R.S. Empl

May 27, 2016 EX-10.1

Atlantic Coast Financial Corporation 2016 Omnibus Incentive Plan

Exhibit 10.1 Atlantic Coast FINANCIAL Corporation 2016 OMNIBuS INCENTIVE PLAN 1. Purposes and Effective Date. (a) Purpose. The purpose of the Atlantic Coast Financial Corporation 2016 Omnibus Incentive Plan (the ?Plan?) has two complementary purposes: (i) to advance the interests of Atlantic Coast Financial Corporation (the ?Company?) and its shareholders by providing officers, directors, employee

May 27, 2016 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Submission of Matters to a Vote of Security Holders

8-K 1 v4411328k.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 23, 2016 (Exact name of registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction (Commission (I.R.S. Employe

May 16, 2016 10-Q

Atlantic Coast Financial FORM 10-Q (Quarterly Report)

10-Q 1 v43866310q.htm FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2016 Commission file number: 001-35072 (Exact name of registrant as specified in its charter) Maryland 65-1310069 (State or other jurisdiction of incorporati

April 27, 2016 8-K

Results of Operations and Financial Condition

8-K 1 v4378298k.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2016 (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commission File N

April 27, 2016 EX-99.1

Atlantic coast Financial CORPORATION REPORts significantly HIGHER earnings for the first quarter of 2016

Exhibit 99.1 For additional information contact: Tracy L. Keegan Executive Vice President and Chief Financial Officer (904) 998-5501 Atlantic coast Financial CORPORATION REPORts significantly HIGHER earnings for the first quarter of 2016 JACKSONVILLE, Fla. (April 27, 2016) ? Atlantic Coast Financial Corporation (Atlantic Coast or the Company, NASDAQ: ACFC), the holding company for Atlantic Coast B

April 19, 2016 DEF 14A

Atlantic Coast Financial DEFINITIVE PROXY STATEMENT

DEF 14A 1 v436806def14a.htm DEFINITIVE PROXY STATEMENT UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commi

April 7, 2016 8-K

Current Report

8-K 1 v4364078k.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 1, 2016 (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commission File Nu

April 7, 2016 EX-10.3

Atlantic Coast Bank Employment Agreement with Phillip S. Buddenbohm

EX-10.3 4 v436407ex10-3.htm EXHIBIT 10.3 Exhibit 10.3 ATLANTIC COAST BANK EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (the “Agreement”) is made as of the 1st day of April 2016 (“Effective Date”), between ATLANTIC COAST BANK, a federal savings association (the “Bank”) and PHILLIP S. BUDDENBOHM (the “Executive”). In consideration of the mutual covenants and undertakings made herein, the Bank and

April 7, 2016 EX-10.2

Atlantic Coast Bank Employment Agreement with Tracy L. Keegan

EX-10.2 3 v436407ex10-2.htm EXHIBIT 10.2 Exhibit 10.2 ATLANTIC COAST BANK EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (the “Agreement”) is made as of the 1st day of April 2016 (“Effective Date”), between ATLANTIC COAST BANK, a federal savings association (the “Bank”) and TRACY L. KEEGAN (the “Executive”). In consideration of the mutual covenants and undertakings made herein, the Bank and the Ex

April 7, 2016 EX-10.1

Atlantic Coast Bank Employment Agreement with John K. Stephens, Jr.

EX-10.1 2 v436407ex10-1.htm EXHIBIT 10.1 Exhibit 10.1 ATLANTIC COAST BANK EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (the “Agreement”) is made as of the 1st day of April 2016 (“Effective Date”), between ATLANTIC COAST BANK, a federal savings association (the “Bank”) and JOHN K. STEPHENS, JR. (the “Executive”). In consideration of the mutual covenants and undertakings made herein, the Bank and

April 1, 2016 EX-16.1

April 1, 2016

Exhibit 16.1 RSM US LLP 801 Brickell Avenue Suite 1050 Miami, FL 33131, USA O +1 305.569.2425 F +1 305.442.7478 www.rsmus.com April 1, 2016 Securities and Exchange Commission Washington, D.C. 20549 Commissioners: We have read Atlantic Coast Financial Corporation?s statements included under Item 4.01 of its Form 8-K filed on April 1, 2016 and we agree with such statements concerning our firm. Since

April 1, 2016 8-K

Atlantic Coast Financial 8-K (Current Report/Significant Event)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 28, 2016 (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commission File Number) 65-1310069 (I.R.S. Emp

March 25, 2016 SC 13G/A

ACFC / Atlantic Coast Financial Corp. / TFO USA Ltd - AMENDMENT NO. 2 Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2)* Atlantic Coast Financial Corporation (Name of Issuer) Common Shares (Title of Class of Securities) 048426100 (CUSIP Number) December 31, 2015 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant

March 16, 2016 10-K

Atlantic Coast Financial FORM 10-K (Annual Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2015 Commission file number: 001-35072 (Exact name of registrant as specified in its charter) Maryland 65-1310069 (State or other jurisdiction of (I.R.S. Employer Identification No.) incorporati

March 4, 2016 EX-99.1

Kevin Champagne, Chairman of the board of Atlantic coast Financial CORPORATION, reTIRES due to HEALTH reasons John Dolan, previously vice Chairman, assumes chairman's duties and jay Sidhu becomes vice chairman

Exhibit 99.1 For additional information contact: Tracy L. Keegan Executive Vice President and Chief Financial Officer (904) 559-8599 Kevin Champagne, Chairman of the board of Atlantic coast Financial CORPORATION, reTIRES due to HEALTH reasons John Dolan, previously vice Chairman, assumes chairman's duties and jay Sidhu becomes vice chairman JACKSONVILLE, Fla. (March 4, 2016) ? Atlantic Coast Finan

March 4, 2016 8-K

Atlantic Coast Financial FORM 8-K (Current Report/Significant Event)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 29, 2016 (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commission File Number) 65-1310069 (I.R.S.

February 11, 2016 SC 13G/A

ACFC / Atlantic Coast Financial Corp. / Wellington Management Group LLP - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1 )* Atlantic Coast Financial Corporation (Name of Issuer) Common Stock (Title of Class of Securities) 048426100 (CUSIP Number) December 31, 2015 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant

February 11, 2016 SC 13G/A

ACFC / Atlantic Coast Financial Corp. / BASSWOOD CAPITAL MANAGEMENT, L.L.C. - SC 13G/A Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 1)* Atlantic Coast Financial Corporation (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 048426100 (CUSIP Number) December 31, 2015 (Date of Event which Requires Filing of this Statement) Check the appropriate box to

February 9, 2016 SC 13G/A

ACFC / Atlantic Coast Financial Corp. / FJ Capital Long/Short Equity Fund Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2)* Atlantic Coast Financial Corporation (ACFC) (Name of Issuer) Common Stock (Title of Class of Securities) 048426100 (CUSIP Number) 12/31/2015 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant

February 1, 2016 SC 13G/A

ACFC / Atlantic Coast Financial Corp. / RMB Capital Management, LLC - SC 13G/A Passive Investment

SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment )* Atlantic Coast Financial Corporation. (Name of Issuer) Common Stock (Title of Class of Securities) 048426100 (CUSIP Number) December 31, 2015 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pu

January 27, 2016 8-K

Atlantic Coast Financial FORM 8-K (Current Report/Significant Event)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 27, 2016 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commiss

January 27, 2016 EX-99.1

Atlantic coast Financial CORPORATION REPORts record earnings for 2015

Exhibit 99.1 For additional information contact: Tracy L. Keegan Executive Vice President and Chief Financial Officer (904) 998-5501 Atlantic coast Financial CORPORATION REPORts record earnings for 2015 JACKSONVILLE, Fla. (January 27, 2016) ? Atlantic Coast Financial Corporation (?Atlantic Coast? or the ?Company,? NASDAQ: ACFC), the holding company for Atlantic Coast Bank (the ?Bank?), today repor

October 28, 2015 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 28, 2015 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commiss

October 28, 2015 EX-99.1

Atlantic coast Financial CORPORATION REPORts STRONG third quarter results

Exhibit 99.1 For additional information contact: Tracy L. Keegan Executive Vice President and Chief Financial Officer (904) 998-5501 Atlantic coast Financial CORPORATION REPORts STRONG third quarter results ? third quarter 2015 earnings more than double to $0.07 per diluted share compared with third Quarter 2014 ? year-over-year portfolio Loan Growth through september reaches 28% ? Margin, return

October 14, 2015 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 14, 2015 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commiss

October 14, 2015 EX-99.1

ATLANTIC COAST FINANCIAL CORPORATION Investor Presentation October 2015

Exhibit 99.1 ATLANTIC COAST FINANCIAL CORPORATION Investor Presentation October 2015 This presentation, as well as other written or oral communications made from time to time by us, may contain forward - looking statements, as defined by Federal Securities Laws, relating to present or future trends or factors affecting the operations, mar kets and products of Atlantic Coast Financial Corporation (

August 7, 2015 EX-1

Joint Filing Agreement

EXHIBIT 1 JOINT FILING AGREEMENT Pursuant to Rule 13d-1(k)(1) under the Securities Exchange Act of 1934, as amended, the undersigned hereby agree that the Schedule 13D to which this Joint Filing Agreement is being filed as an exhibit shall be a joint statement filed on behalf of each of the undersigned.

August 7, 2015 SC 13D

ACFC / Atlantic Coast Financial Corp. / PL Capital, LLC Activist Investment

CUSIP No. 048426100 Page 1 of 19 Pages UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 ATLANTIC COAST FINANCIAL CORPORATION (Name of Issuer) Common Stock, $0.01 par value (Title of Class of Securities) 048426100 (CUSIP Number) Mr. Richard J. Lashley PL Capital, LLC 67 Park Place East Suite 675 Morristown, NJ 07960 (973)

July 29, 2015 8-K

Atlantic Coast Financial FORM 8-K (Current Report/Significant Event)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 29, 2015 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commission

July 29, 2015 EX-99.1

Atlantic coast Financial CORPORATION REPORts record earnings

Exhibit 99.1 For additional information contact: Tracy L. Keegan Executive Vice President and Chief Financial Officer (904) 998-5501 Atlantic coast Financial CORPORATION REPORts record earnings ? second quarter 2015 earnings of $0.36 per diluted share ? Loan Growth Near 20% during first six months of 2015 ? Margin, return on assets, AND return on equity expected to increase significantly in future

July 22, 2015 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 17, 2015 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commission

June 30, 2015 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 29, 2015 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commission

June 29, 2015 11-K

Atlantic Coast Financial 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the fiscal year ended December 31, 2014 OR ? TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the transition period from to Commission File Number 001-35072 A. Full title of the plan and the ad

June 23, 2015 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 19, 2015 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commission

June 23, 2015 EX-99.1

Atlantic coast Financial CORPORATION Reverses $8.5 Million of Deferred Tax Asset Valuation Allowance Company in the process of REVISING TERMS OF WHOLESALE DEBT TO REDUCE future INTEREST EXPENSE

Exhibit 99.1 For additional information contact: Tracy L. Keegan Executive Vice President and Chief Financial Officer (904) 998-5501 Atlantic coast Financial CORPORATION Reverses $8.5 Million of Deferred Tax Asset Valuation Allowance Company in the process of REVISING TERMS OF WHOLESALE DEBT TO REDUCE future INTEREST EXPENSE JACKSONVILLE, Fla. (June 19, 2015) – Atlantic Coast Financial Corporation

May 20, 2015 EX-99.2

Tracy L. KEEGAN NAMED CHIEF FINANCIAL OFFICER OF ATLANTIC COAST FINANCIAL CORPORATION

Exhibit 99.2 For additional information contact: John K. Stephens, Jr. President and Chief Executive Officer (904) 998-5525 Tracy L. KEEGAN NAMED CHIEF FINANCIAL OFFICER OF ATLANTIC COAST FINANCIAL CORPORATION JACKSONVILLE, Fla. (May 20, 2015) – Atlantic Coast Financial Corporation (the "Company," NASDAQ: ACFC), the holding company for Atlantic Coast Bank (the "Bank"), today announced that Tracy L

May 20, 2015 EX-99.1

Atlantic coast Financial CORPORATION RE-ELECTS BHANU CHOUDHRIE AND JAMES D. HOGAN

Exhibit 99.1 For additional information contact: Tracy L. Keegan Atlantic Coast Bank Chief Financial Officer (904) 998-5501 Atlantic coast Financial CORPORATION RE-ELECTS BHANU CHOUDHRIE AND JAMES D. HOGAN JACKSONVILLE, Fla. (May 18, 2015) ? Atlantic Coast Financial Corporation (the "Company," NASDAQ: ACFC), the holding company for Atlantic Coast Bank (the "Bank"), today reported on its 2015 annua

May 20, 2015 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 15, 2015 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction (Commission (I.R.S.

May 14, 2015 10-Q

AFCF / Atlantic Coast Financial CORP 10-Q - Quarterly Report - FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2015 Commission file number: 001-35072 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland 65-1310069 (State or other jurisdiction of incorp

May 14, 2015 EX-32.

John K. Stephens, Jr., President and Chief Executive Officer, and James D. Hogan, Chief Financial Officer and Chief Risk Officer of Atlantic Coast Financial Corporation (the Company), each certify in their capacity as an officer of the Company that t

Exhibit 32. Certification of Chief Executive Officer and Chief Financial Officer of Atlantic Coast Financial Corporation Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 John K. Stephens, Jr., President and Chief Executive Officer, and James D. Hogan, Chief Financial Officer and Chief Risk Officer of Atlantic Coast Financial Corporation (the Company), each certify in their capacity as an

April 29, 2015 8-K

Atlantic Coast Financial 8-K (Current Report/Significant Event)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 29, 2015 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commissio

April 29, 2015 EX-99.1

Atlantic coast Financial CORPORATION Announces CONTINUED PROFITabIlITY ON SIGNIFICANT LOAN growth FOR FIRST QUARTER 2015

Exhibit 99.1 For additional information contact: James D. Hogan Atlantic Coast Financial Corporation Chief Financial Officer (904) 998-5540 Tracy L. Keegan Atlantic Coast Bank Chief Financial Officer (904) 998-5501 Atlantic coast Financial CORPORATION Announces CONTINUED PROFITabIlITY ON SIGNIFICANT LOAN growth FOR FIRST QUARTER 2015 JACKSONVILLE, Fla. (April 29, 2015) ? Atlantic Coast Financial C

April 21, 2015 DEF 14A

Atlantic Coast Financial DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

April 6, 2015 8-K/A

Atlantic Coast Financial 8-K/A (Current Report/Significant Event)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A (Amendment No. 1) CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 23, 2015 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation)

March 31, 2015 EX-99.1

the office of the comptroller of the currency lifts its consent order AGAINST Atlantic coast Bank

Exhibit 99.1 For additional information contact: John K. Stephens, Jr. President and Chief Executive Officer (904) 998-5525 the office of the comptroller of the currency lifts its consent order AGAINST Atlantic coast Bank JACKSONVILLE, Fla. (March 31, 2015) ? Atlantic Coast Financial Corporation (the "Company," NASDAQ: ACFC), the holding company for Atlantic Coast Bank (the "Bank"), today announce

March 31, 2015 EX-10.1

UNITED STATES OF AMERICA DEPARTMENT OF THE TREASURY COMPTROLLER OF THE CURRENCY

Exhibit 10.1 UNITED STATES OF AMERICA DEPARTMENT OF THE TREASURY COMPTROLLER OF THE CURRENCY In the Matter of: Atlantic Coast Bank Jacksonville, Florida ) ) ) Terminates Order# AA-EC-12-104 ORDER TERMINATING THE CONSENT ORDER WHEREAS, in an effort to protect the depositors, other customers and shareholders of Atlantic Coast Bank, Jacksonville, Florida (“the Bank”), and to ensure the Bank's operati

March 31, 2015 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 26, 2015 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commissio

March 25, 2015 8-K

Atlantic Coast Financial 8-K (Current Report/Significant Event)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 23, 2015 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction (Commission (I.R.

February 17, 2015 SC 13G/A

ACFC / Atlantic Coast Financial Corp. / BASSWOOD CAPITAL MANAGEMENT, L.L.C. - AMENDMENT NO.1 TO SCHEDULE 13G Passive Investment

Amendment No.1 to Schedule 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1)* Atlantic Coast Financial Corporation (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 048426100 (CUSIP Number) December 31, 2014 (Date of Event Which Requires Filing of this Statement)

February 17, 2015 SC 13G/A

ACFC / Atlantic Coast Financial Corp. / FJ Capital Long/Short Equity Fund Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1)* Atlantic Coast Financial Corporation (ACFC) (Name of Issuer) Common Stock (Title of Class of Securities) 048426100 (CUSIP Number) 12/31/2014 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant

February 13, 2015 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 11, 2015 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commis

February 9, 2015 SC 13G/A

ACFC / Atlantic Coast Financial Corp. / TFO USA Ltd - AMENDMENT NO. 1 Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1)* Atlantic Coast Financial Corporation (Name of Issuer) Common Shares (Title of Class of Securities) 048426100 (CUSIP Number) December 31, 2014 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant

February 5, 2015 SC 13G

ACFC / Atlantic Coast Financial Corp. / RMB Capital Management, LLC - SC 13G Passive Investment

SC 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Atlantic Coast Financial Corporation (Name of Issuer) Common Stock (Title of Class of Securities) 048426100 (CUSIP Number) December 31, 2014 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pur

February 2, 2015 EX-99.1

Atlantic coast Financial CORPORATION Announces PROFIT FOR FOURTH QUARTER AND FULL YEAr 2014 Atlantic Coast BANK EXPECTS ITS SOLID LOAN GROWTH FOR 2014 TO CONTINUE IN THE COMING YEAR

Exhibit 99.1 For additional information contact: John K. Stephens, Jr. President and Chief Executive Officer (904) 998-5525 Atlantic coast Financial CORPORATION Announces PROFIT FOR FOURTH QUARTER AND FULL YEAr 2014 Atlantic Coast BANK EXPECTS ITS SOLID LOAN GROWTH FOR 2014 TO CONTINUE IN THE COMING YEAR JACKSONVILLE, Fla. (February 2, 2015) – Atlantic Coast Financial Corporation ("Atlantic Coast"

February 2, 2015 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 2, 2015 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commiss

January 29, 2015 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 28, 2015 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or other jurisdiction of incorporatio

October 29, 2014 EX-99.1

Atlantic coast Financial CORPORATION rePORTS THIRD CONSECUTIVE QUARTERLY PROFIT

Exhibit 99.1 For additional information contact: John C. (Jay) Lent Executive Vice President and Chief Financial Officer (904) 998-5501 Atlantic coast Financial CORPORATION rePORTS THIRD CONSECUTIVE QUARTERLY PROFIT JACKSONVILLE, Fla. (October 29, 2014) – Atlantic Coast Financial Corporation ("Atlantic Coast" or the "Company," NASDAQ: ACFC), the holding company for Atlantic Coast Bank (the "Bank")

October 29, 2014 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 29, 2014 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 0

July 30, 2014 8-K

8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 30, 2014 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-

July 30, 2014 EX-99.1

Atlantic coast Financial CORPORATION rePORTS SECOND QUARTER 2014 RESULTS

For additional information contact: John C. (Jay) Lent Executive Vice President and Chief Financial Officer (904) 998-5501 Atlantic coast Financial CORPORATION rePORTS SECOND QUARTER 2014 RESULTS JACKSONVILLE, Fla. (July 30, 2014) – Atlantic Coast Financial Corporation (the "Company," NASDAQ: ACFC), the holding company for Atlantic Coast Bank (the "Bank"), today reported earnings per share of $0.0

June 27, 2014 11-K

- 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the fiscal year ended December 31, 2013 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the transition period from to Commission File Number 001-35072 A. Full title of the plan and the ad

May 20, 2014 8-K

- 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 19, 2014 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-3

May 6, 2014 SC 13D/A

ACFC / Atlantic Coast Financial Corp. / Albury Investment Partnership - SC 13D/A Activist Investment

SC 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 1)* ATLANTIC COAST FINANCIAL CORPORATION (Name of Issuer) Common Stock, Par Value $0.01 per share (Title of Class of Securities) 048426100 (CUSIP Number) The Albury Investment Partnership c/o Seumas Dawes 88 Phillip Street Aurora Place, Suite 4, Lev

April 29, 2014 EX-99.1

Atlantic Coast Financial Corporation Returns to Profitability During First Quarter 2014

Exhibit 99.1 Atlantic Coast Financial Corporation Returns to Profitability During First Quarter 2014 JACKSONVILLE, Fla.-(BUSINESS WIRE)-April 29, 2014-Atlantic Coast Financial Corporation (the "Company") (NASDAQ: ACFC), the holding company for Atlantic Coast Bank (the "Bank"), today reported earnings per share of $0.01, along with continued strong capital levels and superior asset quality as of an

April 29, 2014 8-K

- ATLANTIC COAST FINANCIAL CORPORATION 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 28, 2014 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction of Incorporation)

April 23, 2014 EX-99.1

Joint Filing Agreement, dated as of April 23, 2014, by and among Bhanu Choudhrie, Emblem Capital Limited and Emblem Investments LLC

Exhibit 99.1 JOINT FILING AGREEMENT PURSUANT TO RULE 13d-(k)(1) The undersigned each acknowledges and agrees that the Statement on Schedule 13D to which this Joint Filing Agreement is attached as an exhibit (the “Statement”) is filed on behalf of each of the undersigned and that all subsequent amendments to the Statement shall be filed on behalf of each of the undersigned without the necessity of

April 23, 2014 SC 13D

ACFC / Atlantic Coast Financial Corp. / Choudhrie Bhanu - BHANU CHOUDHRIE FORM SC 13D Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. )* Atlantic Coast Financial Corporation (Name of Issuer) Common Stock, $0.01 par value per share (Title of Class of Securities) 048426100 (CUSIP Number) Bhanu Choudhrie 1 Vincent Square London, SW1P 2PN +44-207-630-0808 (Name, Address and Telephone Number of

April 22, 2014 DEF 14A

- DEF 14A

DEF 14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 14, 2014 10-K

Atlantic Coast Financial FORM 10-K (Annual Report)

10-K 1 v36909910k.htm FORM 10-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2013 Commission file number: 001-35072 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland 65-1310069 (State or o

February 18, 2014 SC 13G

ACFC / Atlantic Coast Financial Corp. / TFO USA Ltd - SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Atlantic Coast Financial Corporation (Name of Issuer) Common Shares (Title of Class of Securities) 048426100 (CUSIP Number) December 3, 2013 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant t

February 14, 2014 SC 13G

ACFC / Atlantic Coast Financial Corp. / Wellington Management Group LLP - DISCLOSURE DOCUMENT Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Atlantic Coast Financial Corporation (Name of Issuer) Common Stock (Title of Class of Securities) 048426100 (CUSIP Number) December 31, 2013 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant t

February 13, 2014 8-K

- 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 11, 2014 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation)

February 12, 2014 EX-99.1

AGREEMENT OF REPORTING PERSONS

EXHIBIT 99.1 AGREEMENT OF REPORTING PERSONS Each of the undersigned hereby agrees to file jointly this Schedule to which this Agreement is attached and any amendments thereto which may be deemed necessary, pursuant to Regulation 13D-G under the Securities Exchange Act of 1934. It is understood and agreed that each of the parties hereto is responsible for the timely filing of this Schedule and any

February 12, 2014 SC 13G

ACFC / Atlantic Coast Financial Corp. / BASSWOOD CAPITAL MANAGEMENT, L.L.C. - SCHEDULE 13G Passive Investment

SC 13G 1 b11220775a.htm SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Atlantic Coast Financial Corporation (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 048426100 (CUSIP Number) December 31, 2013 (Date of Event which Requires Filing of this State

January 29, 2014 EX-99.1

Atlantic Coast Financial Corporation Announces Fourth Quarter and Full Year 2013 Results Atlantic Coast Bank is Well Positioned to Move Forward in 2014

Exhibit 99.1 Atlantic Coast Financial Corporation Announces Fourth Quarter and Full Year 2013 Results Atlantic Coast Bank is Well Positioned to Move Forward in 2014 JACKSONVILLE, Fla.-(BUSINESS WIRE)-January 29, 2014-Atlantic Coast Financial Corporation (the “Company”) (NASDAQ: ACFC), the holding company for Atlantic Coast Bank (the “Bank”), today reported strong capital levels and superior asset

January 29, 2014 8-K

- ATLANTIC COAST FINANCIAL CORP. 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 29, 2014 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction of Incorporatio

December 20, 2013 8-K

- ATLANTIC COAST FINANCIAL CORP. 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 19, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction of Incorporati

December 6, 2013 SC 13G

ACFC / Atlantic Coast Financial Corp. / FJ Capital Long/Short Equity Fund - FJ CAPITAL LONG/ACFC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Atlantic Coast Financial Corporation (ACFC) (Name of Issuer) Common Stock (Title of Class of Securities) 048426100 (CUSIP Number) 11/27/2013 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant t

December 4, 2013 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 3, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction of Incorporatio

December 4, 2013 EX-99.1

Atlantic Coast Financial Corporation Closes $48.3 Million Public Offering of Common Stock, Including Exercise of Underwriters’ Over-Allotment Option

Exhibit 99.1 Atlantic Coast Financial Corporation Closes $48.3 Million Public Offering of Common Stock, Including Exercise of Underwriters’ Over-Allotment Option JACKSONVILLE, Fla.-(BUSINESS WIRE)-December 3, 2013-Atlantic Coast Financial Corporation (the "Company") (NASDAQ: ACFC), the holding company for Atlantic Coast Bank (the "Bank"), today announced the closing of its previously announced und

November 27, 2013 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 27, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction (Commission (I

November 27, 2013 424B4

$42 million Atlantic Coast Financial Corporation Common Stock FBR TABLE OF CONTENTS SUMMARY The Offering RISK FACTORS CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS USE OF PROCEEDS CAPITALIZATION MARKET PRICE OF COMMON STOCK DIVIDEND POLICY PRI

424B4 1 v361746424b4.htm 424B4 Filed Pursuant to Rule 424(b)(4) Registration No. 333-191079 $42 million Atlantic Coast Financial Corporation Common Stock We are offering to sell $42 million of our common stock, par value $0.01 per share, at a public offering price of $3.75 per share. Our common stock is listed on the Nasdaq Global Market under the symbol “ACFC.” On November 26, 2013, the last repo

November 27, 2013 EX-99.1

ATLANTIC COAST FINANCIAL CORPORATION PRICES PUBLIC OFFERING OF COMMON STOCK

ATLANTIC COAST FINANCIAL CORPORATION PRICES PUBLIC OFFERING OF COMMON STOCK JACKSONVILLE, Fla.

November 22, 2013 CORRESP

-

November 22, 2013 Via Facsimile and EDGAR Securities and Exchange Commission Division of Corporate Finance 100 F Street, NE Washington, D.

November 22, 2013 S-1/A

- AMENDMENT TO FORM S-1

As filed with the Securities and Exchange Commission on November 21, 2013 Registration No.

November 22, 2013 EX-1.1

ATLANTIC COAST FINANCIAL CORPORATION (a Maryland Corporation) Shares of Common Stock Par Value $0.01 per Share Underwriting Agreement , 2013

Exhibit 1.1 ATLANTIC COAST FINANCIAL CORPORATION (a Maryland Corporation) Shares of Common Stock Par Value $0.01 per Share Underwriting Agreement , 2013 FBR Capital Markets & Co. as Representative of the several Underwriters c/o FBR Capital Markets & Co. 299 Park Avenue, 7th Floor New York, New York 10171 Dear Sirs: Atlantic Coast Financial Corporation, a Maryland corporation (the “Company”), conf

November 21, 2013 CORRESP

-

ATLANTIC COAST FINANCIAL CORPORATION 10151 Deerwood Park Boulevard Building 200, Suite 100 Jacksonville, Florida 32256 November 21, 2013 VIA EDGAR United States Securities and Exchange Commission Division of Corporation Finance 100 F Street, NE Washington, DC 20549 Attention: Jonathan E.

November 21, 2013 CORRESP

-

CORRESP 1 filename1.htm ATLANTIC COAST FINANCIAL CORPORATION 10151 Deerwood Park Boulevard Building 200, Suite 100 Jacksonville, Florida 32256 November 21, 2013 VIA EDGAR United States Securities and Exchange Commission Division of Corporation Finance 100 F Street, NE Washington, DC 20549 Attention: Jonathan E. Gottlieb Mark S. Webb Re: Atlantic Coast Financial Corporation Registration Statement o

November 19, 2013 8-K

- 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 19, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction (Commission (I

November 19, 2013 EX-99.1

ATLANTIC COAST FINANCIAL CORPORATION COMMENCES PUBLIC OFFERING OF COMMON STOCK

EX-99.1 2 v361044ex99-1.htm EXHIBIT 99.1 ATLANTIC COAST FINANCIAL CORPORATION COMMENCES PUBLIC OFFERING OF COMMON STOCK JACKSONVILLE, Fla. (November 19, 2013) – Atlantic Coast Financial Corporation (the "Company") (NASDAQ: ACFC), the holding company for Atlantic Coast Bank (the "Bank"), today announced that it has commenced an underwritten public offering of $42 million of its common stock. FBR Ca

November 8, 2013 CORRESP

-

November 8, 2013 U.S. Securities and Exchange Commission 100 F Street, NE Washington, DC 20549 Attention: Jonathan E. Gottlieb Mark S. Webb VIA EMAIL AND EDGAR Re: Atlantic Coast Financial Corporation Amendment No. 1 to Registration Statement on Form S-1 Filed October 17, 2013 File No. 333-191079 Atlantic Coast Financial Corporation hereby transmits for filing Amendment No. 2 to our Registration S

November 8, 2013 S-1/A

- AMENDMENT TO FORM S-1

S-1/A 1 v359703s1a.htm AMENDMENT TO FORM S-1 As filed with the Securities and Exchange Commission on November 8, 2013 Registration No. 333-191079 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Pre-Effective Amendment No. 2 to FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Atlantic Coast Financial Corporation (Exact Name of Registrant as Specified in Its C

November 6, 2013 8-K

- ATLANTIC COAST FINANCIAL CORPORATION 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 31, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction of Incorporatio

October 29, 2013 8-K

- ATLANTIC COAST FINANCIAL CORPORATION 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 29, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction of Incorporatio

October 29, 2013 EX-99.1

Atlantic Coast Financial Corporation Reports Third Quarter 2013 Results

Exhibit 99.1 Atlantic Coast Financial Corporation Reports Third Quarter 2013 Results JACKSONVILLE, Fla.-(BUSINESS WIRE)-October 29, 2013-Atlantic Coast Financial Corporation (the "Company") (NASDAQ: ACFC), the holding company for Atlantic Coast Bank (the "Bank"), today reported financial results for the quarter and nine months ended September 30, 2013. For the third quarter of 2013, the Company re

October 21, 2013 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 15, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction of Incorporatio

October 18, 2013 S-1/A

- PRE-EFFECTIVE AMENDMENT NO.1 TO FORM S-1

As filed with the Securities and Exchange Commission on October 17, 2013 Registration No.

October 18, 2013 CORRESP

-

October 17, 2013 U.S. Securities and Exchange Commission 100 F Street, NE Washington, DC 20549 Attention: Jonathan E. Gottlieb VIA EMAIL AND EDGAR Re: Atlantic Coast Financial Corporation Registration Statement on Form S-1 Filed September 10, 2013 File No. 333-191079 Atlantic Coast Financial Corporation (the “Company”) hereby transmits for filing Amendment No. 1 to its Registration Statement on Fo

October 18, 2013 EX-24.2

POWER OF ATTORNEY ATLANTIC COAST FINANCIAL CORPORATION

POWER OF ATTORNEY ATLANTIC COAST FINANCIAL CORPORATION KNOWN ALL PERSONS BY THESE PRESENTS, the undersigned, in his capacity as a director of Atlantic Coast Financial Corporation, does hereby constitute and appoint Thomas B.

October 18, 2013 EX-99.3

CONSENT OF DIRECTOR NOMINEE

EXHIBIT 99.3 CONSENT OF DIRECTOR NOMINEE Pursuant to Rule 438 promulgated under the Securities Act of 1933, as amended, I hereby consent to be named in the Registration Statement on Form S-1/A of Atlantic Coast Financial Corporation, and any amendments or supplements thereto, including the prospectus contained therein, as an individual to become a director of Atlantic Coast Financial Corporation,

September 27, 2013 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 23, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction of Incorporat

September 19, 2013 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers - FORM 8-K

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 13, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Co

September 10, 2013 8-K

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 10, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction of Incorporat

September 10, 2013 EX-99.2

CONSENT OF DIRECTOR NOMINEE

Exhibit 99.2 CONSENT OF DIRECTOR NOMINEE Pursuant to Rule 438 promulgated under the Securities Act of 1933, as amended, I hereby consent to be named in the Registration Statement on Form S-1 of Atlantic Coast Financial Corporation, and any amendments or supplements thereto, including the prospectus contained therein, as an individual to become a director of Atlantic Coast Financial Corporation, to

September 10, 2013 S-1

Registration Statement - PRELIMINARY PROSPECTUS

As filed with the Securities and Exchange Commission on September 10, 2013 Registration No.

September 10, 2013 CORRESP

-

Stradley, Ronon, Stevens & Young, LLP 2600 One Commerce Square Philadelphia, PA 19103 Lori Buchanan Goldman lgoldman@stradley.

September 10, 2013 EX-99.1

CONSENT OF DIRECTOR NOMINEE

EX-99.1 3 v354705ex99-1.htm CONSENT OF DIRECTOR NOMINEE Exhibit 99.1 CONSENT OF DIRECTOR NOMINEE Pursuant to Rule 438 promulgated under the Securities Act of 1933, as amended, I hereby consent to be named in the Registration Statement on Form S-1 of Atlantic Coast Financial Corporation, and any amendments or supplements thereto, including the prospectus contained therein, as an individual to becom

September 10, 2013 EX-99.1

Atlantic coast Financial CORPORATION NAMES JOHN K. STEPHENS PRESIDENT AND CHIEF EXECUTIVE OFFICER

Atlantic coast Financial CORPORATION NAMES JOHN K. STEPHENS PRESIDENT AND CHIEF EXECUTIVE OFFICER JACKSONVILLE, Fla. (September 10, 2013) – Atlantic Coast Financial Corporation (the "Company" or "Atlantic Coast Financial," NASDAQ symbol: ACFC), the holding company for Atlantic Coast Bank (the "Bank"), today announced that its Board of Directors has named John K. Stephens President and Chief Execut

September 6, 2013 8-K

Other Events - FORM 8-K

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 30, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-35072 (Commi

August 20, 2013 8-K

Submission of Matters to a Vote of Security Holders - ATLANTIC COAST FINANCIAL CORPORATION 8-K

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 16, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction of Incorporation) (Commission

August 8, 2013 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 5, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction of Incorporation) (Commission F

July 30, 2013 8-K

- ATLANTIC COAST FINANCIAL CORPORATION 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 30, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction of Incorporation)

July 30, 2013 EX-99.1

Atlantic Coast Financial Corporation Reports Second Quarter 2013 Results

Exhibit 99.1 Atlantic Coast Financial Corporation Reports Second Quarter 2013 Results JACKSONVILLE, Fla.-(BUSINESS WIRE)-July 30, 2013-Atlantic Coast Financial Corporation (the "Company,")(NASDAQ: ACFC), the holding company for Atlantic Coast Bank (the "Bank"), today reported financial results for the second quarter and six months ended June 30, 2013. For the second quarter of 2013, the Company re

July 22, 2013 DEF 14A

- DEF 14A

DEF 14A SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

June 26, 2013 8-K

Termination of a Material Definitive Agreement - ATLANTIC COAST FINANCIAL CORPORATION 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 24, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction of Incorporation)

June 24, 2013 11-K

- 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 [NO FEE REQUIRED, EFFECTIVE OCTOBER 7, 1996]. For the fiscal year ended December 31, 2012 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES E

June 20, 2013 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Other Events

8-K 1 a50657028.htm ATLANTIC COAST FINANCIAL CORPORATION 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 14, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland 001-350

June 20, 2013 SC 13D/A

ACFC / Atlantic Coast Financial Corp. / SIDHU JAY S - JAY SIDHU SCHEDULE 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 8)* Atlantic Coast Financial Corporation (Name of Issuer) Common Stock, $0.001 par value per share (Title of Class of Securities) 048426100 (CUSIP Number) Jay S. Sidhu 511 Granada Drive Palm Coast, FL 32137 (610) 301-6476 (Name, Address and Telephone Number

June 11, 2013 8-K

Financial Statements and Exhibits, Other Events, Submission of Matters to a Vote of Security Holders - ATLANTIC COAST FINANCIAL CORPORATION 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 11, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction of Incorporation)

June 11, 2013 EX-99.1

Atlantic Coast Financial Corporation Announces That the Proposed Merger with Bond Street Holdings, Inc. Failed to Receive Stockholder Approval

Exhibit 99.1 Atlantic Coast Financial Corporation Announces That the Proposed Merger with Bond Street Holdings, Inc. Failed to Receive Stockholder Approval JACKSONVILLE, Fla.-(BUSINESS WIRE)-June 11, 2013-Atlantic Coast Financial Corporation (the "Company" or "Atlantic Coast Financial")(NASDAQ: ACFC), the holding company for Atlantic Coast Bank (the "Bank"), today announced that the proposed merge

June 7, 2013 SC 13D/A

ACFC / Atlantic Coast Financial Corp. / SIDHU JAY S - JAY SIDHU SCHEDULE 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 7)* Atlantic Coast Financial Corporation (Name of Issuer) Common Stock, $0.001 par value per share (Title of Class of Securities) 048426100 (CUSIP Number) Jay S. Sidhu 511 Granada Drive Palm Coast, FL 32137 (610) 301-6476 (Name, Address and Telephone Number

June 7, 2013 EX-99.9

Letter to Atlantic Coast Financial Corporation Board of Directors dated June 6, 2013

June 6, 2013 ATLANTIC COAST FINANCIAL CORPORATION 10151 Deerwood Park Boulevard Building 200, Suite 100 Jacksonville, Florida 32256 Attention: Board of Directors I am again writing this letter on behalf of myself and my fellow director and fellow ACFC stockholder Bhanu Choudhrie.

June 5, 2013 8-K

- ATLANTIC COAST FINANCIAL CORPORATION 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 5, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction of Incorporation) (

June 5, 2013 DEFA14A

- ATLANTIC COAST FINANCIAL CORP. DEFA 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant [x] Filed by a Party other than the Registrant [ ] Check the appropriate box: [ ]Preliminary Proxy Statement [ ] Confidential, for Use of the Commission Only

June 5, 2013 EX-99.2

Atlantic Coast Financial Corporation Announces Settlement of Litigation Related to the Company's Pending Merger with Bond Street Holdings Company Also Announces That Proxy Advisory Firm ISS Has Recommended That Stockholders Approve the Pending Merger

Exhibit 99.2 Atlantic Coast Financial Corporation Announces Settlement of Litigation Related to the Company's Pending Merger with Bond Street Holdings Company Also Announces That Proxy Advisory Firm ISS Has Recommended That Stockholders Approve the Pending Merger JACKSONVILLE, Fla.-(BUSINESS WIRE)-June 5, 2013-Atlantic Coast Financial Corporation (the "Company" or "Atlantic Coast Financial")(NASDA

June 5, 2013 EX-99.1

SUPPLEMENT TO PROXY STATEMENT

Exhibit 99.1 SUPPLEMENT TO PROXY STATEMENT We have made the following supplemental disclosures to the Proxy Statement in connection with the settlement of Laugherty v. Atlantic Coast Financial Corporation et al., Civil Action No. 1:13-cv-01475, pending in the Federal District Court of Maryland. The parties have contemporaneously entered into a memorandum of understanding to settle the lawsuit. Pur

May 30, 2013 DEFA14A

- ATLANTIC COAST FINANCIAL CORPORATION DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant [x] Filed by a Party other than the Registrant [ ] Check the appropriate box: [ ] Preliminary Proxy Statement [ ] Confidential, for Use of the Commission Only

May 21, 2013 EX-99.8

Letter to Atlantic Coast Financial Corporation Board of Directors dated May 20, 2013

EX-99.8 2 exhibit99-8.htm EXHIBIT 99.8 May 20, 2013 ATLANTIC COAST FINANCIAL CORPORATION 10151 Deerwood Park Boulevard Building 200, Suite 100 Jacksonville, Florida 32256 Attention: Board of Directors I am again writing this letter on behalf of myself and my fellow director and fellow ACFC stockholder Bhanu Choudhrie. We continue to be surprised by the lengths you appear to be willing to go to pro

May 21, 2013 SC 13D/A

ACFC / Atlantic Coast Financial Corp. / SIDHU JAY S - JAY SIDHU SCHEDULE 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 6)* Atlantic Coast Financial Corporation (Name of Issuer) Common Stock, $0.001 par value per share (Title of Class of Securities) 048426100 (CUSIP Number) Jay S. Sidhu 511 Granada Drive Palm Coast, FL 32137 (610) 301-6476 (Name, Address and Telephone Number

May 16, 2013 DEFA14A

- ATLANTIC COAST FINANCIAL CORPORATION DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant [x] Filed by a Party other than the Registrant [ ] Check the appropriate box: [ ] Preliminary Proxy Statement [ ] Confidential, for Use of the Commission Only

May 16, 2013 EX-99.1

Atlantic Coast Financial Corporation Sends Letter to Stockholders Stressing Importance of Stockholders Voting for the Proposed Merger Transaction with Bond Street Holdings

Exhibit 99.1 Atlantic Coast Financial Corporation Sends Letter to Stockholders Stressing Importance of Stockholders Voting for the Proposed Merger Transaction with Bond Street Holdings JACKSONVILLE, Fla.-(BUSINESS WIRE)-May 16, 2013-Atlantic Coast Financial Corporation (the "Company" or "Atlantic Coast Financial," NASDAQ symbol: ACFC), the holding company for Atlantic Coast Bank (the "Bank"), toda

May 16, 2013 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 16, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or other jurisdiction of incorporation) (

May 15, 2013 SC 13D/A

ACFC / Atlantic Coast Financial Corp. / SIDHU JAY S - JAY SIDHU SCHEDULE 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 5)* Atlantic Coast Financial Corporation (Name of Issuer) Common Stock, $0.001 par value per share (Title of Class of Securities) 048426100 (CUSIP Number) Jay S. Sidhu 511 Granada Drive Palm Coast, FL 32137 (610) 301-6476 (Name, Address and Telephone Number

May 15, 2013 SC 13D/A

ACFC / Atlantic Coast Financial Corp. / ALI AMIN FADUL - SCHEDULE 13D/A Activist Investment

SC 13D/A 1 v345258sc13d-a.htm SCHEDULE 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Amendment No. 1) Under the Securities Exchange Act of 1934 ATLANTIC COAST FINANCIAL CORPORATION (Name of Issuer) Common Stock, Par Value $0.01 per share (Title of Class of Securities) 048426100 (CUSIP Number) Amin Fadul Ali Nasdec General Trading LLC, Office 1403, 14th

May 15, 2013 EX-99.1

Atlantic Coast Financial Corporation Reports First Quarter 2013 Results Recently Announced Merger Amendment Lifts Contingency to Provide Stockholders with Cash Payment in Full at Closing

Exhibit 99.1 Atlantic Coast Financial Corporation Reports First Quarter 2013 Results Recently Announced Merger Amendment Lifts Contingency to Provide Stockholders with Cash Payment in Full at Closing JACKSONVILLE, Fla.-(BUSINESS WIRE)-May 15, 2013-Atlantic Coast Financial Corporation (the "Company,") (NASDAQ symbol: ACFC), the holding company for Atlantic Coast Bank (the "Bank"), today reported fi

May 15, 2013 EX-99.7

Letter to Atlantic Coast Financial Corporation Board of Directors dated May 13, 2013

EX-99.7 2 ex99-7.htm EXHIBIT 99.7 Exhibit 99.7 May 13, 2013 ATLANTIC COAST FINANCIAL CORPORATION 10151 Deerwood Park Boulevard Building 200, Suite 100 Jacksonville, Florida 32256 Attention: Board of Directors I am again writing this letter on behalf of myself and my fellow director and fellow ACFC stockholder Bhanu Choudhrie. As we have noted in our earlier correspondence, we believe that the $5 p

May 15, 2013 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 15, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction of Incorporation) (

May 13, 2013 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 13, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction of

May 13, 2013 DEFM14A

- DEFINITIVE PROXY STATEMENT - MERGER

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as per

May 8, 2013 CORRESP

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ATLANTIC COAST FINANCIAL CORPORATION 10151 Deerwood Park Blvd., Building 200, Suite 100, Jacksonville, FL 32256 May 7, 2013 Via Edgar Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Re: Atlantic Coast Financial Corporation (File No. 001-35072) Proxy Statement on Schedule 14A Ladies and Gentlemen: Atlantic Coast Financial Corporation (the “Company”) hereby acknowledges

May 8, 2013 CORRESP

-

[Letterhead of Luse Gorman Pomerenk & Schick] (202) 274-2010 [email protected] May 7, 2013 VIA EDGAR Mark Webb Legal Branch Chief Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549 Re: Atlantic Coast Financial Corporation (File No. 001-35072) Proxy Statement on Schedule 14A Dear Mr. Webb: On behalf of Atlantic Coast Financial Corporation (

May 8, 2013 PRER14A

- PRER14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. 2) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: x Preliminary Proxy Statement ¨ Confidential, for Use of the Commi

May 6, 2013 CORRESP

-

[Letterhead of Luse Gorman Pomerenk & Schick] (202) 274-2010 [email protected] May 6, 2013 VIA EDGAR Ms. Jessica Livingston Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549 Re: Atlantic Coast Financial Corporation (File No. 001-35072) Proxy Statement on Schedule 14A Dear Ms. Livingston: As discussed with the SEC staff earlier today, I ha

April 26, 2013 SC 13D

ACFC / Atlantic Coast Financial Corp. / ALI AMIN FADUL - SC 13D Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 ATLANTIC COAST FINANCIAL CORPORATION (Name of Issuer) Common Stock, Par Value $0.01 per share (Title of Class of Securities) 048426100 (CUSIP Number) Amin Fadul Ali Nasdec General Trading LLC, Office 1403, 14th Floor One Business Bay, Business Bay Area, PO Box 113296 Dubai

April 25, 2013 CORRESP

-

CORRESP 1 filename1.htm [Letterhead of Luse Gorman Pomerenk & Schick] (202) 274-2010 [email protected] April 25, 2013 VIA EDGAR Mark Webb Legal Branch Chief Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549 Re: Atlantic Coast Financial Corporation (File No. 001-35072) Proxy Statement on Schedule 14A Dear Mr. Webb: On behalf of Atlantic Co

April 25, 2013 PRER14A

- PRELIMINARY PROXY STATEMENT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. 1) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: x Preliminary Proxy Statement ¨ Confidential, for Use of the Commi

April 24, 2013 EX-99.6

Letter to Atlantic Coast Financial Corporation Board of Directors dated April 24, 2013

Exhibit 99.6 April 24, 2013 ATLANTIC COAST FINANCIAL CORPORATION 10151 Deerwood Park Boulevard Building 200, Suite 100 Jacksonville, Florida 32256 Attention: Board of Directors I am again writing this letter on behalf of myself and my fellow director and fellow ACFC stockholder Bhanu Choudhrie. We note the amendment to the Bond Street agreement that eliminates the escrow terms and the contingent n

April 24, 2013 SC 13D/A

ACFC / Atlantic Coast Financial Corp. / SIDHU JAY S - JAY SIDHU SCHEDULE 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 4)* Atlantic Coast Financial Corporation (Name of Issuer) Common Stock, $0.001 par value per share (Title of Class of Securities) 048426100 (CUSIP Number) Jay S. Sidhu 511 Granada Drive Palm Coast, FL 32137 (610) 301-6476 (Name, Address and Telephone Number

April 23, 2013 EX-99.1

Atlantic Coast Financial Corporation and Bond Street Holdings Amend Definitive Merger Agreement to Remove Contingency from Per Share Consideration

Exhibit 99.1 Atlantic Coast Financial Corporation and Bond Street Holdings Amend Definitive Merger Agreement to Remove Contingency from Per Share Consideration JACKSONVILLE, Fla.-(BUSINESS WIRE)-April 23, 2013-Atlantic Coast Financial Corporation (the "Company") (NASDAQ: ACFC), the holding company for Atlantic Coast Bank (the "Bank"), today announced that the definitive merger agreement with Bond

April 23, 2013 EX-2.2

AMENDMENT NUMBER 1 TO THE AGREEMENT AND PLAN OF MERGER by and among ATLANTIC COAST FINANCIAL CORPORATION, ATLANTIC COAST BANK, BOND STREET HOLDINGS, INC. and FLORIDA COMMUNITY BANK, N.A. April 22, 2013 AMENDMENT NUMBER 1 TO THE AGREEMENT AND PLAN OF

EX-2.2 2 a50616384ex22.htm EXHIBIT 2.2 Exhibit 2.2 AMENDMENT NUMBER 1 TO THE AGREEMENT AND PLAN OF MERGER by and among ATLANTIC COAST FINANCIAL CORPORATION, ATLANTIC COAST BANK, BOND STREET HOLDINGS, INC. and FLORIDA COMMUNITY BANK, N.A. April 22, 2013 AMENDMENT NUMBER 1 TO THE AGREEMENT AND PLAN OF MERGER THIS AMENDMENT NUMBER 1 TO THE AGREEMENT AND PLAN OF MERGER (this “Amendment”) is dated as o

April 23, 2013 EX-2.2

AMENDMENT NUMBER 1 TO THE AGREEMENT AND PLAN OF MERGER by and among ATLANTIC COAST FINANCIAL CORPORATION, ATLANTIC COAST BANK, BOND STREET HOLDINGS, INC. and FLORIDA COMMUNITY BANK, N.A. April 22, 2013 AMENDMENT NUMBER 1 TO THE AGREEMENT AND PLAN OF

Exhibit 2.2 AMENDMENT NUMBER 1 TO THE AGREEMENT AND PLAN OF MERGER by and among ATLANTIC COAST FINANCIAL CORPORATION, ATLANTIC COAST BANK, BOND STREET HOLDINGS, INC. and FLORIDA COMMUNITY BANK, N.A. April 22, 2013 AMENDMENT NUMBER 1 TO THE AGREEMENT AND PLAN OF MERGER THIS AMENDMENT NUMBER 1 TO THE AGREEMENT AND PLAN OF MERGER (this “Amendment”) is dated as of April 22, 2013, by and among Atlantic

April 23, 2013 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Other Events - ATLANTIC COAST FINANCIAL CORPORATION 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 22, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction of Incorporation)

April 23, 2013 DEFA14A

- ATLANTIC COAST FINANCIAL CORPORATION 8-K

DEFA14A 1 a50616384.htm ATLANTIC COAST FINANCIAL CORPORATION 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 22, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Maryland 00

April 23, 2013 EX-99.1

Atlantic Coast Financial Corporation and Bond Street Holdings Amend Definitive Merger Agreement to Remove Contingency from Per Share Consideration

Exhibit 99.1 Atlantic Coast Financial Corporation and Bond Street Holdings Amend Definitive Merger Agreement to Remove Contingency from Per Share Consideration JACKSONVILLE, Fla.-(BUSINESS WIRE)-April 23, 2013-Atlantic Coast Financial Corporation (the "Company") (NASDAQ: ACFC), the holding company for Atlantic Coast Bank (the "Bank"), today announced that the definitive merger agreement with Bond

April 18, 2013 SC 13D/A

ACFC / Atlantic Coast Financial Corp. / SIDHU JAY S - JAY SIDHU SCHEDULE 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 3)* Atlantic Coast Financial Corporation (Name of Issuer) Common Stock, $0.001 par value per share (Title of Class of Securities) 048426100 (CUSIP Number) Jay S. Sidhu 511 Granada Drive Palm Coast, FL 32137 (610) 301-6476 (Name, Address and Telephone Number

April 18, 2013 EX-99.5

Letter to Atlantic Coast Financial Corporation Board of Directors dated April 18, 2013

Exhibit 99.5 April 18, 2013 ATLANTIC COAST FINANCIAL CORPORATION 10151 Deerwood Park Boulevard Building 200, Suite 100 Jacksonville, Florida 32256 Attention: Board of Directors I am again writing this letter on behalf of myself and my fellow director and fellow ACFC stockholder Bhanu Choudhrie. We are writing in response to the letter addressed to me dated April 16, 2013 from Messrs. Linfante and

April 16, 2013 EX-99.1

Atlantic Coast Financial Corporation 10151 Deerwood Park Blvd., Building 200, Suite 100 Jacksonville FL 32256 ~ 904.998.5500

April 16, 2013 Mr. Jay S. Sidhu 511 Granada Dr. Palm Coast, FL 32137 Dear Mr. Sidhu: In responding to your Schedule 13D filings, we want to make clear to you that the Board of Directors will not allow the best interests of all shareholders of Atlantic Coast Financial Corporation to be subverted so you may pursue an agenda to benefit a limited group with whom you may be acting in concert. Our first

April 16, 2013 DEFA14A

- ATLANTIC COAST FINANCIAL CORP. 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 16, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction

April 16, 2013 8-K

Financial Statements and Exhibits, Other Events - ATLANTIC COAST FINANCIAL CORP. 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 16, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction

April 16, 2013 EX-99.1

Atlantic Coast Financial Corporation 10151 Deerwood Park Blvd., Building 200, Suite 100 Jacksonville FL 32256 ~ 904.998.5500

April 16, 2013 Mr. Jay S. Sidhu 511 Granada Dr. Palm Coast, FL 32137 Dear Mr. Sidhu: In responding to your Schedule 13D filings, we want to make clear to you that the Board of Directors will not allow the best interests of all shareholders of Atlantic Coast Financial Corporation to be subverted so you may pursue an agenda to benefit a limited group with whom you may be acting in concert. Our first

April 12, 2013 SC 13D/A

ACFC / Atlantic Coast Financial Corp. / SIDHU JAY S - JAY SIDHU SCHEDULE 13-D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 2)* Atlantic Coast Financial Corporation (Name of Issuer) Common Stock, $0.001 par value per share (Title of Class of Securities) 048426100 (CUSIP Number) Jay S. Sidhu 511 Granada Drive Palm Coast, FL 32137 (610) 301-6476 (Name, Address and Telephone Number

April 12, 2013 EX-99.4

Letter to Atlantic Coast Financial Corporation Board of Directors dated April 10, 2013

Exhibit 99.4 April 11, 2013 ATLANTIC COAST FINANCIAL CORPORATION 10151 Deerwood Park Boulevard Building 200, Suite 100 Jacksonville, Florida 32256 Attention: Board of Directors As before, I am writing this letter on behalf of myself and my fellow director and fellow ACFC stockholder Bhanu Choudhrie. We are writing to you to reiterate our serious concerns regarding the proposed merger with Bond Str

April 10, 2013 SC 13D

ACFC / Atlantic Coast Financial Corp. / Albury Investment Partnership - SCHEDULE 13D Activist Investment

SC 13D 1 d519190dsc13d.htm SCHEDULE 13D UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 ATLANTIC COAST FINANCIAL CORPORATION (Name of Issuer) Common Stock, Par Value $0.01 per share (Title of Class of Securities) 048426100 (CUSIP Number) The Albury Investment Partnership c/o Seumas Dawes 88 Phillip Street Aurora Place,

March 29, 2013 DEFA14A

- SOLICITING MATERIAL

DEFA14A 1 defa14a32913.htm SOLICITING MATERIAL UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant [x] Filed by a Party other than the Registrant [ ] Check the appropriate box: [ ] Preliminary Proxy Statement [ ] Confidential, for Use of the Commission Only (as

March 27, 2013 PREM14A

- PRELIMINARY PROXY STATEMENT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: x Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ¨ Definitive Proxy State

March 27, 2013 SC 13D/A

ACFC / Atlantic Coast Financial Corp. / SIDHU JAY S - JAY SIDHU SCHEDULE 13-D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 1)* Atlantic Coast Financial Corporation (Name of Issuer) Common Stock, $0.001 par value per share (Title of Class of Securities) 048426100 (CUSIP Number) Jay S. Sidhu 511 Granada Drive Palm Coast, FL 32137 (610) 301-6476 (Name, Address and Telephone Number

March 27, 2013 EX-99.3

March 26, 2013

Exhibit 99.3 March 26, 2013 ATLANTIC COAST FINANCIAL CORPORATION 10151 Deerwood Park Boulevard Building 200, Suite 100 Jacksonville, Florida 32256 Attention: Board of Directors Gentlemen: We are writing to you to express our serious concerns regarding the proposed merger with Bond Street Holdings. I am writing this letter on behalf of myself and my fellow director Bhanu Choudhrie. As you know, in

March 5, 2013 EX-99.1

Atlantic Coast Financial Corporation Reports Fourth Quarter and Year-End 2012 Results Following Recent Merger Announcement, Company Poised to Fulfill Regulatory Capital Mandate

Exhibit 99.1 Atlantic Coast Financial Corporation Reports Fourth Quarter and Year-End 2012 Results Following Recent Merger Announcement, Company Poised to Fulfill Regulatory Capital Mandate JACKSONVILLE, Fla.-(BUSINESS WIRE)-March 4, 2013-Atlantic Coast Financial Corporation (the "Company,") (NASDAQ: ACFC), the holding company for Atlantic Coast Bank (the "Bank"), today reported financial results

March 5, 2013 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 4, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction of Incorporation)

February 26, 2013 EX-99.1

Atlantic Coast Financial Corporation 10151 Deerwood Park Blvd., Building 200, Suite 100 Jacksonville FL 32256 ~ 904.998.5500

Exhibit 99.1 To All Atlantic Coast Bank Team Members Today, we are announcing that Atlantic Coast Financial Corporation (“ACFC”) has entered into a definitive merger agreement with Bond Street Holdings, Inc. (“Bond Street”), whereby ACFC will merge with Bond Street and Atlantic Coast Bank will merge into Florida Community Bank, N.A. (“FCB”), Bond Street’s community banking subsidiary. We are pleas

February 26, 2013 EX-2.1

AGREEMENT AND PLAN OF MERGER by and among

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER by and among \ ATLANTIC COAST FINANCIAL CORPORATION, ATLANTIC COAST BANK, BOND STREET HOLDINGS, INC. and FLORIDA COMMUNITY BANK, N.A. February 25, 2013 TABLE OF CONTENTS Article I The Company Merger 1 1.01 The Company Merger 1 1.02 Reservation of Right to Revise Structure 2 1.03 Effective Time 2 Article II The Subsidiary Merger 3 2.01 The Subsidiary Merger

February 26, 2013 EX-99.2

Atlantic Coast Financial Corporation Signs Definitive Merger Agreement with Bond Street Holdings, Inc., the Fifth Largest Independent Banking Organization Headquartered in Florida Transaction Creates Immediate Enhanced Return to Stockholders Merger t

Exhibit 99.2 Atlantic Coast Financial Corporation Signs Definitive Merger Agreement with Bond Street Holdings, Inc., the Fifth Largest Independent Banking Organization Headquartered in Florida Transaction Creates Immediate Enhanced Return to Stockholders Merger to Create One of the Strongest Community Banking Organizations in Northeast Florida and Southeast Georgia Markets JACKSONVILLE, Fla.-(BUSI

February 26, 2013 8-K

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 25, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdicti

February 26, 2013 EX-99.2

Atlantic Coast Financial Corporation Signs Definitive Merger Agreement with Bond Street Holdings, Inc., the Fifth Largest Independent Banking Organization Headquartered in Florida Transaction Creates Immediate Enhanced Return to Stockholders Merger t

Exhibit 99.2 Atlantic Coast Financial Corporation Signs Definitive Merger Agreement with Bond Street Holdings, Inc., the Fifth Largest Independent Banking Organization Headquartered in Florida Transaction Creates Immediate Enhanced Return to Stockholders Merger to Create One of the Strongest Community Banking Organizations in Northeast Florida and Southeast Georgia Markets JACKSONVILLE, Fla.-(BUSI

February 26, 2013 EX-99.1

Atlantic Coast Financial Corporation 10151 Deerwood Park Blvd., Building 200, Suite 100 Jacksonville FL 32256 ~ 904.998.5500

Exhibit 99.1 To All Atlantic Coast Bank Team Members Today, we are announcing that Atlantic Coast Financial Corporation (“ACFC”) has entered into a definitive merger agreement with Bond Street Holdings, Inc. (“Bond Street”), whereby ACFC will merge with Bond Street and Atlantic Coast Bank will merge into Florida Community Bank, N.A. (“FCB”), Bond Street’s community banking subsidiary. We are pleas

February 26, 2013 EX-2.1

AGREEMENT AND PLAN OF MERGER by and among

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER by and among \ ATLANTIC COAST FINANCIAL CORPORATION, ATLANTIC COAST BANK, BOND STREET HOLDINGS, INC. and FLORIDA COMMUNITY BANK, N.A. February 25, 2013 TABLE OF CONTENTS Article I The Company Merger 1 1.01 The Company Merger 1 1.02 Reservation of Right to Revise Structure 2 1.03 Effective Time 2 Article II The Subsidiary Merger 3 2.01 The Subsidiary Merger

February 26, 2013 DEFA14A

- ATLANTIC COAST FINANCIAL CORPORATION 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 25, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdicti

February 15, 2013 EX-99.2

Notice of Director Nomination, dated as of February 13, 2013, with respect to the 2013 Annual Meeting of Stockholders of Atlantic Coast Financial Corporation

Exhibit 99.2 ATLANTIC COAST FINANCIAL CORPORATION 12724 Gran Bay Parkway West Jacksonville, Florida 32258 Attention: Board of Directors and Pamela Saxon, Corporate Secretary Fellow Members of the Board of Directors of ACFC: We are writing to you to again voice our serious concerns with the direction of Atlantic Coast Financial Corporation under the current board of directors and Chief Executive Of

February 15, 2013 EX-99.1

JOINT FILING AGREEMENT PURSUANT TO RULE 13d-(k)(1)

Exhibit 99.1 JOINT FILING AGREEMENT PURSUANT TO RULE 13d-(k)(1) The undersigned each acknowledges and agrees that the Statement on Schedule 13D to which this Joint Filing Agreement is attached as an exhibit (the “Statement”) is filed on behalf of each of the undersigned and that all subsequent amendments to the Statement shall be filed on behalf of each of the undersigned without the necessity of

February 15, 2013 SC 13D

ACFC / Atlantic Coast Financial Corp. / SIDHU JAY S - JAY SIDHU SCHEDULE 13-D Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. )* Atlantic Coast Financial Corporation (Name of Issuer) Common Stock, $0.01 par value per share (Title of Class of Securities) 048426100 (CUSIP Number) Jay S. Sidhu 511 Granada Drive Palm Coast, FL 32137 (610) 301-6476 (Name, Address and Telephone Number of

February 14, 2013 SC 13G/A

ACFC / Atlantic Coast Financial Corp. / Ithan Creek Master Investment Partnership (Cayman)II, L.P. - DISCLOSURE DOCUMENT Passive Investment

SC 13G/A 1 secfiling.htm DISCLOSURE DOCUMENT UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2)* Atlantic Coast Financial Corporation (Name of Issuer) Common Stock (Title of Class of Securities) 048426100 (CUSIP Number) December 31, 2012 (Date of Event Which Requires Filing of this Statement) Check the ap

February 14, 2013 SC 13G/A

ACFC / Atlantic Coast Financial Corp. / WELLINGTON MANAGEMENT GROUP LLP - DISCLOSURE DOCUMENT Passive Investment

SC 13G/A 1 secfiling.htm DISCLOSURE DOCUMENT UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1)* Atlantic Coast Financial Corporation (Name of Issuer) Common Stock (Title of Class of Securities) 048426100 (CUSIP Number) December 31, 2012 (Date of Event Which Requires Filing of this Statement) Check the ap

February 1, 2013 SC 13G/A

ACFC / Atlantic Coast Financial Corp. / Atlantic Coast Financial CORP - FORM 13G/A AMENDMENT 1 Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment 1)* Atlantic Coast Financial Corporation (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 048426100 (CUSIP Number) December 31, 2012 (Date of Event Which Requires Filing of This Statement) Check the appropriate box to desig

January 30, 2013 8-K

Other Events - FORM 8-K

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 24, 2013 ATLANTIC COAST FINANCIAL CORPORATION (Exact name of Registrant as specified in its charter) Maryland 001-35072 65-1310069 (State or Other Jurisdiction of Incorpora

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