“ACBB is the type of bankers’ bank you like doing business with because they’re experienced. They deal with you as a known professional. They understand your business and they take a personal interest in meeting your needs.”

Scot Browning
President
Capital Bank N.A.

Financial Highlights

ACBB'S Financial Information

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Consolidated Financial Highlights - December 31, 2015 (unaudited)

Net Income
$3,469,097
Total Assets
$577,558,730
Required Regulation F Information
 
Leverage Ratio
12.19%
Tier 1 Risk Based Capital Ratio
24.19%
Total Risk Based Capital Ratio
25.48%
Risk Based Assets to Capital Status-See Note Below
Well Capitalized
Loan Loss Reserve to NonPerforming Loans (inc. TDRs)
192.64%
Loan Loss Reserve to NonPerforming Assets
172.07%
Loan Loss Reserve to Total Loans
3.79%
NonPerforming Assets to Total Assets
.87%
Loans 30 Days and Over Past Due and Accruing to Total Loans
0%

 

Additional Information for Correspondent Guidance

Ratio Trend Lines 12/31/15 9/30/15 6/30/15 3/31/15 12/31/14 9/30/14
Tier 1 Leverage 12.19% 12.57% 12.45% 12.15% 12.18% 12.67% 
Tier 1 Risk Based Capital 24.19% 24.35% 24.46% 25.63% 26.01% 26.16% 
Total Risk Based Capital 25.48% 25.62% 25.71% 27.06% 27.29% 27.44% 
NPAs to Total Assets 0.87% 1.10% 1.33% 1.41% 1.52% 1.57% 
Loan Loss Reserve to Total Loans 3.79% 4.04% 4.12% 4.48% 4.68% 4.64% 
Texas Ratio 6.04% 7.99% 9.09% 10.09% 10.66% 10.56% 
Return on Average Assets 0.59% 0.61% 0.61% 0.67% 0.73% 0.77% 
Return on Average Equity 4.74% 4.88% 4.97% 5.49% 5.97% 6.33% 

 

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

 66/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.