Financial Highlights

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

Assets
$766,629,000
Net Income
$1,903,000
Leverage Ratio
13.66%
Tier 1 Risk Based Ratio
24.50%
Total Risk Based Ratio
25.74%
Loan Loss Reserve to NPL
5,910.78%
Loan Loss Reserve to NPA
5,910.78%
Loan Loss Reserve to Loans
2.97%
NPA to Total Assets
0.02%
Loans 30 Days Past Due
0.00%

Additional Information for Correspondent Guidance

Ratio Trend Lines 06/30/21 03/31/21 12/31/20 9/30/20
Tier 1 Leverage 13.66% 13.62% 13.51% 12.76%
Tier 1 Risk Based Capital 24.50% 24.34% 24.36% 23.97%
Total Risk Based Capital 25.74% 25.57% 25.57% 25.12%
NPAs to Total Assets 0.02% 0.02% 0.02% 0.14%
Loan Loss Reserve to Total Loans 2.97% 2.91% 2.99% 2.88%
Texas Ratio 0.14% 0.15% 0.15% 0.94%
Return on Average Assets 0.95% 0.56% 0.30% 0.17%
Return on Average Equity 6.89% 4.05% 2.32% 1.30%
06/30/21
13.66%
03/31/21
13.62%
12/31/20
13.51%
9/30/20
12.76%
06/30/21
24.50%
03/31/21
24.34%
12/31/20
24.36%
9/30/20
23.97%
06/30/21
25.74%
03/31/21
25.57%
12/31/20
25.57%
9/30/20
25.12%
06/30/21
0.02%
03/31/21
0.02%
12/31/20
0.02%
9/30/20
0.14%
06/30/21
2.97%
03/31/21
2.91%
12/31/20
2.99%
9/30/20
2.88%
06/30/21
0.14%
03/31/21
0.15%
12/31/20
0.15%
9/30/20
0.94%
06/30/21
0.95%
03/31/21
0.56%
12/31/20
0.30%
9/30/20
0.17%
06/30/21
6.89%
03/31/21
4.05%
12/31/20
2.32%
9/30/20
1.30%

Bank Insight Rating (formerly Thomson Reuters Peer Group Rating) as of June 2021 is 58/B+. This is down from a rating of 59/B+ in March 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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