Financial Highlights

ACBB's Consolidated Financial Highlights – December 31, 2023 (Unaudited).

Assets
$894,719,000
Net Income
$5,621,000
Leverage Ratio
15.12%
Tier 1 Risk Based Ratio
20.48%
Total Risk Based Ratio
21.82%
Loan Loss Reserve to NPL
7943.59%
Loan Loss Reserve to NPA
7943.59%
Loan Loss Reserve to Loans
1.82%
NPA to Total Assets
0.00%
Loans 30 Days Past Due
0.02%

Additional Information for Correspondent Guidance

Ratio Trend Lines 12/31/2023 09/30/2023 06/30/2023 3/31/2023
Tier 1 Leverage 15.12% 15.27% 15.18% 15.13%
Tier 1 Risk Based Capital 20.48% 20.39% 21.29% 22.30%
Total Risk Based Capital 21.82% 21.73% 22.63% 23.63%
NPAs to Total Assets 0.00% 0.00% 0.00% 0.01%
Loan Loss Reserve to Total Loans 1.82% 1.80% 1.86% 1.92%
Texas Ratio 0.02% 0.02% 0.03% 0.04%
Return on Average Assets 0.64% 0.62% 0.53% 0.45%
Return on Average Equity 4.47% 4.36% 3.77% 3.26%
12/31/2023
15.12%
09/30/2023
15.27%
06/30/2023
15.18%
3/31/2023
15.13%
12/31/2023
20.48%
09/30/2023
20.39%
06/30/2023
21.29%
3/31/2023
22.30%
12/31/2023
21.82%
09/30/2023
21.73%
06/30/2023
22.63%
3/31/2023
23.63%
12/31/2023
0.00%
09/30/2023
0.00%
06/30/2023
0.00%
3/31/2023
0.01%
12/31/2023
1.82%
09/30/2023
1.80%
06/30/2023
1.86%
3/31/2023
1.92%
12/31/2023
0.02%
09/30/2023
0.02%
06/30/2023
0.03%
3/31/2023
0.04%
12/31/2023
0.64%
09/30/2023
0.62%
06/30/2023
0.53%
3/31/2023
0.45%
12/31/2023
4.47%
09/30/2023
4.36%
06/30/2023
3.77%
3/31/2023
3.26%

Bank Insight Rating (formerly Thomson Reuters Peer Group Rating) as of Dec. ’23 is 66/B+.

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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