Financial Highlights

ACBB's Consolidated Financial Highlights – December 31, 2022 (Unaudited).

Assets
$785,072,000
Net Income
$5,221,000
Leverage Ratio
16.52%
Tier 1 Risk Based Ratio
23.55%
Total Risk Based Ratio
24.88%
Loan Loss Reserve to NPL
10873.08%
Loan Loss Reserve to NPA
10873.08%
Loan Loss Reserve to Loans
2.03%
NPA to Total Assets
0.01%
Loans 30 Days Past Due
0.09%

Additional Information for Correspondent Guidance

Ratio Trend Lines 12/31/2022 9/30/2022 6/30/2022 3/31/2022
Tier 1 Leverage 16.52% 16.84% 17.35% 17.35%
Tier 1 Risk Based Capital 23.55% 25.67% 26.71% 27.55%
Total Risk Based Capital 24.88% 26.99% 28.03% 28.86%
NPAs to Total Assets 0.01% 0.01% 0.01% 0.02%
Loan Loss Reserve to Total Loans 2.03% 2.27% 2.43% 2.63%
Texas Ratio 0.07% 0.08% 0.08% 0.09%
Return on Average Assets 0.68% 0.71% 0.28% 0.57%
Return on Average Equity 4.16% 4.17% 1.66% 3.34%
12/31/2022
16.52%
9/30/2022
16.84%
6/30/2022
17.35%
3/31/2022
17.35%
12/31/2022
23.55%
9/30/2022
25.67%
6/30/2022
26.71%
3/31/2022
27.55%
12/31/2022
24.88%
9/30/2022
26.99%
6/30/2022
28.03%
3/31/2022
28.86%
12/31/2022
0.01%
9/30/2022
0.01%
6/30/2022
0.01%
3/31/2022
0.02%
12/31/2022
2.03%
9/30/2022
2.27%
6/30/2022
2.43%
3/31/2022
2.63%
12/31/2022
0.07%
9/30/2022
0.08%
6/30/2022
0.08%
3/31/2022
0.09%
12/31/2022
0.68%
9/30/2022
0.71%
6/30/2022
0.28%
3/31/2022
0.57%
12/31/2022
4.16%
9/30/2022
4.17%
6/30/2022
1.66%
3/31/2022
3.34%

Bank Insight Rating (formerly Thomson Reuters Peer Group Rating) as of June ’22 is 75/A.

This is up from a rating of 58/B+ in June ’21.

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.

View Our Annual Reports:

Annual Report 2021

Annual Report 2020

Questions About ACBB? Connect With Our Team!

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