About us  >  Financial Highlights
Financial Highlights

About us  >  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.

Questions About ACBB? Connect With Our Team!
More About Us:
Don’t see what you’re looking for?
We’re here to help.