Financial Highlights
ACBB's Consolidated Financial Highlights – September 30, 2022 (Unaudited).
Assets
$796,634,000
Net Income
$3,958,000
Leverage Ratio
16.84%
Tier 1 Risk Based Ratio
25.67%
Total Risk Based Ratio
26.99%
Loan Loss Reserve to NPL
8314.71%
Loan Loss Reserve to NPA
8314.71%
Loan Loss Reserve to Loans
2.27%
NPA to Total Assets
0.01%
Loans 30 Days Past Due
0.00%
Additional Information for Correspondent Guidance
| Ratio Trend Lines | 9/30/2022 | 6/30/2022 | 3/31/2022 | 12/31/21 |
|---|---|---|---|---|
| Tier 1 Leverage | 16.84% | 17.35% | 17.35% | 16.44% |
| Tier 1 Risk Based Capital | 25.67% | 26.71% | 27.55% | 28.22% |
| Total Risk Based Capital | 26.99% | 28.03% | 28.86% | 29.53% |
| NPAs to Total Assets | 0.01% | 0.01% | 0.02% | 0.02% |
| Loan Loss Reserve to Total Loans | 2.27% | 2.43% | 2.63% | 2.81% |
| Texas Ratio | 0.08% | 0.08% | 0.09% | 0.11% |
| Return on Average Assets | 0.71% | 0.28% | 0.57% | 2.46% |
| Return on Average Equity | 4.17% | 1.66% | 3.34% | 16.55% |
9/30/2022
16.84%
6/30/2022
17.35%
3/31/2022
17.35%
12/31/21
16.44%
9/30/2022
25.67%
6/30/2022
26.71%
3/31/2022
27.55%
12/31/21
28.22%
9/30/2022
26.99%
6/30/2022
28.03%
3/31/2022
28.86%
12/31/21
29.53%
9/30/2022
0.01%
6/30/2022
0.01%
3/31/2022
0.02%
12/31/21
0.02%
9/30/2022
2.27%
6/30/2022
2.43%
3/31/2022
2.63%
12/31/21
2.81%
9/30/2022
0.08%
6/30/2022
0.08%
3/31/2022
0.09%
12/31/21
0.11%
9/30/2022
0.71%
6/30/2022
0.28%
3/31/2022
0.57%
12/31/21
2.46%
9/30/2022
4.17%
6/30/2022
1.66%
3/31/2022
3.34%
12/31/21
16.55%
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.
