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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