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Financial Highlights

About us  >  Financial Highlights
ACBB's Consolidated Financial Highlights – June 30, 2023 (Unaudited).
Assets
$871,740,000
Net Income
$2,325,000
Leverage Ratio
15.18%
Tier 1 Risk Based Ratio
21.29%
Total Risk Based Ratio
22.63%
Loan Loss Reserve to NPL
20863.41%
Loan Loss Reserve to NPA
20863.41%
Loan Loss Reserve to Loans
1.86%
NPA to Total Assets
0.00%
Loans 30 Days Past Due
0.00%
Additional Information for Correspondent Guidance
Ratio Trend Lines | 06/30/2023 | 3/31/2023 | 12/31/2022 | 9/30/2022 |
---|---|---|---|---|
Tier 1 Leverage | 15.18% | 15.13% | 16.52% | 16.84% |
Tier 1 Risk Based Capital | 21.29% | 22.30% | 23.55% | 25.67% |
Total Risk Based Capital | 22.63% | 23.63% | 24.88% | 26.99% |
NPAs to Total Assets | 0.00% | 0.01% | 0.01% | 0.01% |
Loan Loss Reserve to Total Loans | 1.86% | 1.92% | 2.03% | 2.27% |
Texas Ratio | 0.07% | 0.07% | 0.07% | 0.08% |
Return on Average Assets | 0.53% | 0.45% | 0.68% | 0.71% |
Return on Average Equity | 3.77% | 3.26% | 4.16% | 4.17% |
06/30/2023
15.18%
3/31/2023
15.13%
12/31/2022
16.52%
9/30/2022
16.84%
06/30/2023
21.29%
3/31/2023
22.30%
12/31/2022
23.55%
9/30/2022
25.67%
06/30/2023
22.63%
3/31/2023
23.63%
12/31/2022
24.88%
9/30/2022
26.99%
06/30/2023
0.00%
3/31/2023
0.01%
12/31/2022
0.01%
9/30/2022
0.01%
06/30/2023
1.86%
3/31/2023
1.92%
12/31/2022
2.03%
9/30/2022
2.27%
06/30/2023
0.07%
3/31/2023
0.07%
12/31/2022
0.07%
9/30/2022
0.08%
06/30/2023
0.53%
3/31/2023
0.45%
12/31/2022
0.68%
9/30/2022
0.71%
06/30/2023
3.77%
3/31/2023
3.26%
12/31/2022
4.16%
9/30/2022
4.17%
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.
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