Financial Highlights

ACBB's Consolidated Financial Highlights – March 31, 2024 (Unaudited).

Assets
$896,303,000
Net Income
$1,901,000
Leverage Ratio
15.16%
Tier 1 Risk Based Ratio
20.79%
Total Risk Based Ratio
22.13%
Loan Loss Reserve to NPL
848.61%
Loan Loss Reserve to NPA
848.61%
Loan Loss Reserve to Loans
1.85%
NPA to Total Assets
0.00%
Loans 30 Days Past Due
0.22%

Additional Information for Correspondent Guidance

Ratio Trend Lines 03/31/2024 12/31/2023 09/30/2023 06/30/2023
Tier 1 Leverage 15.16% 15.12% 15.27% 15.18%
Tier 1 Risk Based Capital 20.79% 20.48% 20.39% 21.29%
Total Risk Based Capital 22.13% 21.82% 21.73% 22.63%
NPAs to Total Assets 0.00% 0.00% 0.00% 0.00%
Loan Loss Reserve to Total Loans 1.85% 1.82% 1.80% 1.86%
Texas Ratio 0.02% 0.02% 0.02% 0.03%
Return on Average Assets 0.85% 0.64% 0.62% 0.53%
Return on Average Equity 5.91% 4.47% 4.36% 3.77%
03/31/2024
15.16%
12/31/2023
15.12%
09/30/2023
15.27%
06/30/2023
15.18%
03/31/2024
20.79%
12/31/2023
20.48%
09/30/2023
20.39%
06/30/2023
21.29%
03/31/2024
22.13%
12/31/2023
21.82%
09/30/2023
21.73%
06/30/2023
22.63%
03/31/2024
0.00%
12/31/2023
0.00%
09/30/2023
0.00%
06/30/2023
0.00%
03/31/2024
1.85%
12/31/2023
1.82%
09/30/2023
1.80%
06/30/2023
1.86%
03/31/2024
0.02%
12/31/2023
0.02%
09/30/2023
0.02%
06/30/2023
0.03%
03/31/2024
0.85%
12/31/2023
0.64%
09/30/2023
0.62%
06/30/2023
0.53%
03/31/2024
5.91%
12/31/2023
4.47%
09/30/2023
4.36%
06/30/2023
3.77%

Bank Insight Rating (formerly Thomson Reuters Peer Group Rating) as of March ’24 is 75/A.

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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