“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 - September 30, 2015 (unaudited)

Net Income
$2,654,229
Total Assets
$601,158,156
Required Regulation F Information
 
Leverage Ratio
12.57%
Tier 1 Risk Based Capital Ratio
24.35%
Total Risk Based Capital Ratio
25.62%
Risk Based Assets to Capital Status-See Note Below
Well Capitalized
Loan Loss Reserve to NonPerforming Loans (inc. TDRs)
148.68%
Loan Loss Reserve to NonPerforming Assets
131.62%
Loan Loss Reserve to Total Loans
4.04%
NonPerforming Assets to Total Assets
1.10%
Loans 30 Days and Over Past Due and Accruing to Total Loans
0%

 

Additional Information for Correspondent Guidance

Ratio Trend Lines 9/30/15 6/30/15 3/31/15 12/31/14 9/30/14 6/30/14
Tier 1 Leverage 12.57% 12.45% 12.15% 12.18% 12.67% 12.11%
Tier 1 Risk Based Capital 24.35% 24.46% 25.63% 26.01% 26.16% 25.16%
Total Risk Based Capital 25.62% 25.71% 27.06% 27.29% 27.44% 26.44%
NPAs to Total Assets 1.10% 1.33% 1.41% 1.52% 1.57% 1.86%
Loan Loss Reserve to Total Loans 4.04% 4.12% 4.48% 4.68% 4.64% 4.82%
Texas Ratio 7.99% 9.09% 10.09% 10.66% 10.56% 12.03%
Return on Average Assets 0.60% 0.61% 0.67% 0.73% 0.77% 0.81%
Return on Average Equity 4.88% 4.97% 5.49% 5.97% 6.33% 6.75%

 

Bank Insight Rating (formerly Thomson Reuters Peer Group Rating) - September 30, 2015

 63/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.