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.
