“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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Financial Highlights - March 31, 2014 (Unaudited)

Net Income
$1,345,090
Total Assets
$563,991,654
Required Regulation F Information
 
Leverage Ratio
12.10%
Tier 1 Risk Based Capital Ratio
25.57%
Total Risk Based Capital Ratio
26.85%
Risk Based Assets to Capital Status-See Note Below
Well Capitalized
Loan Loss Reserve to NonPerforming Loans (inc. TDRs)
190.10%
Loan Loss Reserve to NonPerforming Assets
127.78%
Loan Loss Reserve to Total Loans
5.17%
NonPerforming Assets to Total Assets
1.41%
Loans 30 Days and Over Past Due and Accruing to Total Loans
1.35%

 

Additional Information for Correspondent Guidance

Ratio Trend Lines 3/31/14 (Unaudited) 12/31/13 9/30/13 6/30/13 3/31/13 12/31/12
Tier 1 Leverage 12.10% 11.48% 10.99% 10.97% 11.15% 10.14%
Tier 1 Risk Based Capital 25.57% 24.83% 24.06% 24.80% 24.80% 23.97%
Total Risk Based Capital 26.85% 26.12% 25.35% 26.09% 26.10% 25.26%
NPAs to Total Assets 1.41% 1.53% 1.32% 1.49% 2.46% 2.43%
Loan Loss Reserve to Total Loans 5.17% 5.34% 5.93% 6.08% 5.70% 5.61%
Texas Ratio 10.21% 10.91% 9.65% 11.16% 18.75% 17.42%
Return on Average Assets .98% 0.60% 0.54% 0.54% 0.47% 0.52%
Return on Average Equity 8.19% 5.42% 4.84% 4.76% 4.23% 5.10%

 

Thomson Reuters Peer Group Rating - December 31, 2013

62/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.