Financial Highlights
ACBB's Consolidated Financial Highlights – March 31, 2021 (Unaudited).
Assets
$727,243,000
Net Income
$1,109,000
Leverage Ratio
13.62%
Tier 1 Risk Based Ratio
24.34%
Total Risk Based Ratio
25.57%
Loan Loss Reserve to NPL
5,604.49%
Loan Loss Reserve to NPA
5,604.49%
Loan Loss Reserve to Loans
2.91%
NPA to Total Assets
0.02%
Loans 30 Days Past Due
0.86%
Additional Information for Correspondent Guidance
Ratio Trend Lines
03/31/21
12/31/20
9/30/20
6/30/20
Tier 1 Leverage
13.62%
13.51%
12.76%
12.70%
Tier 1 Risk Based Capital
24.34%
24.36%
23.97%
21.92%
Total Risk Based Capital
25.57%
25.57%
25.12%
23.07%
NPAs to Total Assets
0.02%
0.02%
0.14%
0.13%
Loan Loss Reserve to Total Loans
2.91%
2.99%
2.88%
2.62%
Texas Ratio
0.15%
0.15%
0.94%
.95%
Return on Average Assets
0.56%
0.30%
0.17%
(.12%)
Return on Average Equity
4.10%
2.32%
1.30%
(.92%)
03/31/21
13.62%
12/31/20
13.51%
9/30/20
12.76%
6/30/20
12.70%
03/31/21
24.34%
12/31/20
24.36%
9/30/20
23.97%
6/30/20
21.92%
03/31/21
25.57%
12/31/20
25.57%
9/30/20
25.12%
6/30/20
23.07%
03/31/21
0.02%
12/31/20
0.02%
9/30/20
0.14%
6/30/20
0.13%
03/31/21
2.91%
12/31/20
2.99%
9/30/20
2.88%
6/30/20
2.62%
03/31/21
0.15%
12/31/20
0.15%
9/30/20
0.94%
6/30/20
.95%
03/31/21
0.56%
12/31/20
0.30%
9/30/20
0.17%
6/30/20
(.12%)
03/31/21
4.10%
12/31/20
2.32%
9/30/20
1.30%
6/30/20
(.92%)
Bank Insight Rating (formerly Thomson Reuters Peer Group Rating) as of March 2021 is 59/B+. This is up from a rating of 57/B+ in December 2020.
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.
