“It's very important for community banks in today's environment to have a good correspondent bank. ACBB knows community banks and correspondent banking, and it fits that bill very well.”

Tim Sissler
President & CEO
Reliance Bank

Financial Highlights

ACBB'S Financial Information

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Consolidated Financial Highlights - March 31, 2015 (unaudited)

Net Income
$981,762
Total Assets
$583,383,750
Required Regulation F Information
 
Leverage Ratio
12.15%
Tier 1 Risk Based Capital Ratio
25.63%
Total Risk Based Capital Ratio
27.06%
Risk Based Assets to Capital Status-See Note Below
Well Capitalized
Loan Loss Reserve to NonPerforming Loans (inc. TDRs)
125.90%
Loan Loss Reserve to NonPerforming Assets
112.78%
Loan Loss Reserve to Total Loans
4.48%
NonPerforming Assets to Total Assets
1.41%
Loans 30 Days and Over Past Due and Accruing to Total Loans
0.02%

 

Additional Information for Correspondent Guidance

Ratio Trend Lines 3/31/15 12/31/14 9/30/14 6/30/14 3/31/14 12/31/13
Tier 1 Leverage 12.15% 12.18% 12.67% 12.11% 12.10% 11.48%
Tier 1 Risk Based Capital 25.63% 26.01% 26.16% 25.16% 25.57% 24.84%
Total Risk Based Capital 27.06% 27.29% 27.44% 26.44% 26.85% 26.12%
NPAs to Total Assets 1.41% 1.52% 1.57% 1.86% 1.41% 1.53%
Loan Loss Reserve to Total Loans 4.48% 4.68% 4.64% 4.82% 5.17% 5.34%
Texas Ratio 10.09% 10.66% 10.56% 12.03% 10.21% 10.91%
Return on Average Assets 0.67% 0.73% 0.77% 0.81% 0.98% 0.60%
Return on Average Equity 5.49% 5.97% 6.33% 6.75% 8.19% 5.42%

 

Bank Insight Rating (formerly Thomson Reuters Peer Group Rating) - March 31, 2015

 58/B+ 

 

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

  1. Its leverage ratio is 4% or greater,
  2. Its Tier 1 Risk Based Capital Ratio is 4% or greater; and
  3. Its Total Risk Based Capital Ratio is 8% or greater.