Financial Highlights

ACBB's Consolidated Financial Highlights – September 30, 2022 (Unaudited).

Assets
$796,634,000
Net Income
$3,958,000
Leverage Ratio
16.84%
Tier 1 Risk Based Ratio
25.67%
Total Risk Based Ratio
26.99%
Loan Loss Reserve to NPL
8314.71%
Loan Loss Reserve to NPA
8314.71%
Loan Loss Reserve to Loans
2.27%
NPA to Total Assets
0.01%
Loans 30 Days Past Due
0.00%

Additional Information for Correspondent Guidance

Ratio Trend Lines 9/30/2022 6/30/2022 3/31/2022 12/31/21
Tier 1 Leverage 16.84% 17.35% 17.35% 16.44%
Tier 1 Risk Based Capital 25.67% 26.71% 27.55% 28.22%
Total Risk Based Capital 26.99% 28.03% 28.86% 29.53%
NPAs to Total Assets 0.01% 0.01% 0.02% 0.02%
Loan Loss Reserve to Total Loans 2.27% 2.43% 2.63% 2.81%
Texas Ratio 0.08% 0.08% 0.09% 0.11%
Return on Average Assets 0.71% 0.28% 0.57% 2.46%
Return on Average Equity 4.17% 1.66% 3.34% 16.55%
9/30/2022
16.84%
6/30/2022
17.35%
3/31/2022
17.35%
12/31/21
16.44%
9/30/2022
25.67%
6/30/2022
26.71%
3/31/2022
27.55%
12/31/21
28.22%
9/30/2022
26.99%
6/30/2022
28.03%
3/31/2022
28.86%
12/31/21
29.53%
9/30/2022
0.01%
6/30/2022
0.01%
3/31/2022
0.02%
12/31/21
0.02%
9/30/2022
2.27%
6/30/2022
2.43%
3/31/2022
2.63%
12/31/21
2.81%
9/30/2022
0.08%
6/30/2022
0.08%
3/31/2022
0.09%
12/31/21
0.11%
9/30/2022
0.71%
6/30/2022
0.28%
3/31/2022
0.57%
12/31/21
2.46%
9/30/2022
4.17%
6/30/2022
1.66%
3/31/2022
3.34%
12/31/21
16.55%

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.

View Our Annual Reports:

Annual Report 2021

Annual Report 2020

Questions About ACBB? Connect With Our Team!

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