Financial Highlights

ACBB's Consolidated Financial Highlights – March 31, 2022 (Unaudited).

Assets
$753,740,000
Net Income
$1,047,000
Leverage Ratio
17.35%
Tier 1 Risk Based Ratio
27.55%
Total Risk Based Ratio
28.86%
Loan Loss Reserve to NPL
7,380.99%
Loan Loss Reserve to NPA
7,380.99%
Loan Loss Reserve to Loans
2.63%
NPA to Total Assets
0.02%
Loans 30 Days Past Due
0.00%

Additional Information for Correspondent Guidance

Ratio Trend Lines 3/31/2022 12/31/21 9/30/2021 06/30/21
Tier 1 Leverage 17.35% 16.44% 15.24% 13.66%
Tier 1 Risk Based Capital 27.55% 28.22% 28.05% 24.50%
Total Risk Based Capital 28.86% 29.53% 29.29% 25.74%
NPAs to Total Assets 0.02% 0.02% 0.02% 0.02%
Loan Loss Reserve to Total Loans 2.63% 2.81% 2.88% 2.97%
Texas Ratio 0.09% 0.11% 0.11% 0.14%
Return on Average Assets 0.57% 2.46% 3.02% 0.95%
Return on Average Equity 3.34% 16.55% 21.10% 6.89%
3/31/2022
17.35%
12/31/21
16.44%
9/30/2021
15.24%
06/30/21
13.66%
3/31/2022
27.55%
12/31/21
28.22%
9/30/2021
28.05%
06/30/21
24.50%
3/31/2022
28.86%
12/31/21
29.53%
9/30/2021
29.29%
06/30/21
25.74%
3/31/2022
0.02%
12/31/21
0.02%
9/30/2021
0.02%
06/30/21
0.02%
3/31/2022
2.63%
12/31/21
2.81%
9/30/2021
2.88%
06/30/21
2.97%
3/31/2022
0.09%
12/31/21
0.11%
9/30/2021
0.11%
06/30/21
0.14%
3/31/2022
0.57%
12/31/21
2.46%
9/30/2021
3.02%
06/30/21
0.95%
3/31/2022
3.34%
12/31/21
16.55%
9/30/2021
21.10%
06/30/21
6.89%

Bank Insight Rating (formerly Thomson Reuters Peer Group Rating) as of March ’22 is 72/A.

This is down from a rating of 99/A+ in September 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 2021

Annual Report 2020

Questions About ACBB? Connect With Our Team!

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