Financial Highlights
ACBB'S Financial Information
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Financial Highlights - December 31, 2012
|
Net Income
|
$3,176,105
|
| Total Assets |
$546,818,505
|
| Required Regulation F Information |
|
Leverage Ratio
|
10.14%
|
Tier 1 Risk Based Capital Ratio
|
23.97%
|
Total Risk Based Capital Ratio
|
25.26%
|
Risk Based Assets to Capital Status-See Note Below
|
Well Capitalized
|
| Loan Loss Reserve to NonPerforming Loans (inc. TDRs) |
126.40%
|
| Loan Loss Reserve to NonPerforming Assets |
92.44%
|
| Loan Loss Reserve to Total Loans |
5.61%
|
| NonPerforming Assets to Total Assets |
2.43%
|
| Loans 30 Days and Over Past Due and Accruing to Total Loans |
1.02%
|
|
Additional Information for Correspondent Guidance
| Ratio Trend Lines |
12/31/12 |
9/30/12 |
6/30/12 |
3/31/12 |
12/31/11 |
9/30/11 |
| Tier 1 Leverage |
10.14% |
10.12% |
10.02% |
9.88% |
9.57% |
8.78% |
| Tier 1 Risk Based Capital |
23.97% |
24.47% |
21.94% |
21.78% |
20.80% |
20.32% |
| Total Risk Based Capital |
25.26% |
25.72% |
23.23% |
23.07% |
22.10% |
21.61% |
| NPAs to Total Assets |
2.43% |
2.52% |
3.39% |
3.28% |
3.27% |
3.61% |
| Loan Loss Reserve to Total Loans |
5.61% |
5.15% |
4.66% |
4.84% |
4.91% |
4.81% |
| Texas Ratio |
17.42% |
19.83% |
26.88% |
26.46% |
27.23% |
29.46% |
| Return on Average Assets |
0.52% |
0.61% |
0.62% |
0.63% |
0.40% |
0.47% |
| Return on Average Equity |
5.10% |
6.04% |
6.18% |
6.38% |
4.64% |
5.25% |
|
Thomson Reuters Peer Group Rating - September 30, 2012
50/B+
Note: Per Regulation F, a bank is considered adequately capitalized if:
- Its leverage ratio is 4% or greater,
- Its Tier 1 Risk Based Capital Ratio is 4% or greater; and
- Its Total Risk Based Capital Ratio is 8% or greater.
