Financial Highlights
ACBB's Consolidated Financial Highlights – June 30, 2024 (Unaudited).
| Assets | $915,266,000 |
| Net Income | $4,015,000 |
| Leverage Ratio | 14.59% |
| Tier 1 Risk-Based Ratio | 20.42% |
| Total Risk-Based Ratio | 21.76% |
| Loan Loss Reserve to NPL | 8,420.91% |
| Loan Loss Reserve to NPA | 8,420.91% |
| Loan Loss Reserve to Loans | 1.74% |
| NPA to Total Assets | 0.00% |
| Loans 30 Days Past Due | 0.02% |
| Assets | $915,266,000 |
| Net Income | $4,015,000 |
| Leverage Ratio | 14.59% |
| Tier 1 Risk-Based Ratio | 20.42% |
| Total Risk-Based Ratio | 21.76% |
| Loan Loss Reserve to NPL | 8,420.91% |
| Loan Loss Reserve to NPA | 8,420.91% |
| Loan Loss Reserve to Loans | 1.74% |
| NPA to Total Assets | 0.00% |
| Loans 30 Days Past Due | 0.02% |
Additional Information for Correspondent Guidance
| Ratio Trend Lines | 06/30/2024 | 03/31/2024 | 12/31/2023 | 09/30/2023 |
|---|---|---|---|---|
| Tier 1 Leverage | 14.59% | 15.16% | 15.12% | 15.27% |
| Tier 1 Risk-Based Capital | 20.42% | 20.79% | 20.48% | 20.39% |
| Total Risk-Based Capital | 21.76% | 22.13% | 21.82% | 21.73% |
| NPAs to Total Assets | 0.00% | 0.00% | 0.00% | 0.00% |
| Loan Loss Reserve to Total Loans | 1.74% | 1.85% | 1.82% | 1.80% |
| Texas Ratio | 0.02% | 0.02% | 0.02% | 0.02% |
| Return on Average Assets | 0.88% | 0.85% | 0.64% | 0.62% |
| Return on Average Equity | 6.25% | 5.91% | 4.47% | 4.36% |
Ratio Trend Lines
06/30/2024
14.59%
03/31/2024
15.16%
12/31/2023
15.12%
09/30/2023
15.27%
Ratio Trend Lines
06/30/2024
20.42%
03/31/2024
20.79%
12/31/2023
20.48%
09/30/2023
20.39%
Ratio Trend Lines
06/30/2024
21.76%
03/31/2024
22.13%
12/31/2023
21.82%
09/30/2023
21.73%
Ratio Trend Lines
06/30/2024
0.00%
03/31/2024
0.00%
12/31/2023
0.00%
09/30/2023
0.00%
Ratio Trend Lines
06/30/2024
1.74%
03/31/2024
1.85%
12/31/2023
1.82%
09/30/2023
1.80%
Ratio Trend Lines
06/30/2024
0.02%
03/31/2024
0.02%
12/31/2023
0.02%
09/30/2023
0.02%
Ratio Trend Lines
06/30/2024
0.88%
03/31/2024
0.85%
12/31/2023
0.64%
09/30/2023
0.62%
Ratio Trend Lines
06/30/2024
6.25%
03/31/2024
5.91%
12/31/2023
4.47%
09/30/2023
4.36%
Bank Insight Rating (formerly Thomson Reuters Peer Group Rating) as of June 2024 is 74/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.
