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Financial Highlights

About us  >  Financial Highlights
ACBB's Consolidated Financial Highlights – March 31, 2022 (Unaudited).
Assets
$753,740,000
Net Income
$1,047,000
Leverage Ratio
17.35%
Tier 1 Risk Based Ratio
27.55%
Total Risk Based Ratio
28.86%
Loan Loss Reserve to NPL
7,380.99%
Loan Loss Reserve to NPA
7,380.99%
Loan Loss Reserve to Loans
2.63%
NPA to Total Assets
0.02%
Loans 30 Days Past Due
0.00%
Additional Information for Correspondent Guidance
Ratio Trend Lines | 3/31/2022 | 12/31/21 | 9/30/2021 | 06/30/21 |
---|---|---|---|---|
Tier 1 Leverage | 17.35% | 16.44% | 15.24% | 13.66% |
Tier 1 Risk Based Capital | 27.55% | 28.22% | 28.05% | 24.50% |
Total Risk Based Capital | 28.86% | 29.53% | 29.29% | 25.74% |
NPAs to Total Assets | 0.02% | 0.02% | 0.02% | 0.02% |
Loan Loss Reserve to Total Loans | 2.63% | 2.81% | 2.88% | 2.97% |
Texas Ratio | 0.09% | 0.11% | 0.11% | 0.14% |
Return on Average Assets | 0.57% | 2.46% | 3.02% | 0.95% |
Return on Average Equity | 3.34% | 16.55% | 21.10% | 6.89% |
3/31/2022
17.35%
12/31/21
16.44%
9/30/2021
15.24%
06/30/21
13.66%
3/31/2022
27.55%
12/31/21
28.22%
9/30/2021
28.05%
06/30/21
24.50%
3/31/2022
28.86%
12/31/21
29.53%
9/30/2021
29.29%
06/30/21
25.74%
3/31/2022
0.02%
12/31/21
0.02%
9/30/2021
0.02%
06/30/21
0.02%
3/31/2022
2.63%
12/31/21
2.81%
9/30/2021
2.88%
06/30/21
2.97%
3/31/2022
0.09%
12/31/21
0.11%
9/30/2021
0.11%
06/30/21
0.14%
3/31/2022
0.57%
12/31/21
2.46%
9/30/2021
3.02%
06/30/21
0.95%
3/31/2022
3.34%
12/31/21
16.55%
9/30/2021
21.10%
06/30/21
6.89%
Bank Insight Rating (formerly Thomson Reuters Peer Group Rating) as of March ’22 is 72/A.
This is down from a rating of 99/A+ in September 2021.
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.

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