Financial Highlights

ACBB's Consolidated Financial Highlights – September 30, 2021 (Unaudited).

Assets
$728,903,000
Net Income
$18,285,000
Leverage Ratio
15.24%
Tier 1 Risk Based Ratio
28.05%
Total Risk Based Ratio
29.29%
Loan Loss Reserve to NPL
6,173.72%
Loan Loss Reserve to NPA
6,173.72%
Loan Loss Reserve to Loans
2.88%
NPA to Total Assets
0.02%
Loans 30 Days Past Due
0.00%

Additional Information for Correspondent Guidance

Ratio Trend Lines 9/30/2021 06/30/21 03/31/21 12/31/20
Tier 1 Leverage 15.24% 13.66% 13.62% 13.51%
Tier 1 Risk Based Capital 28.05% 24.50% 24.34% 24.36%
Total Risk Based Capital 29.29% 25.74% 25.57% 25.57%
NPAs to Total Assets 0.02% 0.02% 0.02% 0.02%
Loan Loss Reserve to Total Loans 2.88% 2.97% 2.91% 2.99%
Texas Ratio 0.11% 0.14% 0.15% 0.15%
Return on Average Assets 3.02% 0.95% 0.56% 0.30%
Return on Average Equity 21.10% 6.89% 4.05% 2.32%
9/30/2021
15.24%
06/30/21
13.66%
03/31/21
13.62%
12/31/20
13.51%
9/30/2021
28.05%
06/30/21
24.50%
03/31/21
24.34%
12/31/20
24.36%
9/30/2021
29.29%
06/30/21
25.74%
03/31/21
25.57%
12/31/20
25.57%
9/30/2021
0.02%
06/30/21
0.02%
03/31/21
0.02%
12/31/20
0.02%
9/30/2021
2.88%
06/30/21
2.97%
03/31/21
2.91%
12/31/20
2.99%
9/30/2021
0.11%
06/30/21
0.14%
03/31/21
0.15%
12/31/20
0.15%
9/30/2021
3.02%
06/30/21
0.95%
03/31/21
0.56%
12/31/20
0.30%
9/30/2021
21.10%
06/30/21
6.89%
03/31/21
4.05%
12/31/20
2.32%

Bank Insight Rating (formerly Thomson Reuters Peer Group Rating) as of September ’21 is 99/A+.

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

View Our Annual Reports:

Annual Report 2020

Annual Report 2019

Questions About ACBB? Connect With Our Team!

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