Financial Highlights
ACBB'S Financial Information
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Financial Highlights - March 31, 2012
|
Net Income
|
$956,995
|
| Total Assets |
$592,198,598
|
| Required Regulation F Information |
|
Leverage Ratio
|
9.88%
|
Tier 1 Risk Based Capital Ratio
|
21.78%
|
Total Risk Based Capital Ratio
|
23.07%
|
Risk Based Assets to Capital Status-See Note Below
|
Well Capitalized
|
| Loan Loss Reserve to NonPerforming Loans (inc. TDRs) |
90.66%
|
| Loan Loss Reserve to NonPerforming Assets |
65.24%
|
| Loan Loss Reserve to Total Loans |
4.84%
|
| NonPerforming Assets to Total Assets |
3.28%
|
| Loans 30 Days and Over Past Due and Accruing to Total Loans |
0.40%
|
|
Additional Information for Correspondent Guidance
| Ratio Trend Lines |
3/31/12 |
12/31/11 |
9/30/11 |
6/30/11 |
3/31/11 |
12/31/10 |
| Tier 1 Leverage |
9.88% |
9.57% |
8.78% |
8.30% |
7.75% |
7.26% |
| Tier 1 Risk Based Capital |
21.78% |
20.80% |
20.32% |
19.19% |
17.53% |
16.90% |
| Total Risk Based Capital |
23.07% |
22.10% |
21.61% |
20.49% |
18.82% |
18.19% |
| NPAs to Total Assets |
3.28% |
3.27% |
3.61% |
3.38% |
3.05% |
2.77% |
| Loan Loss Reserve to Total Loans |
4.84% |
4.91% |
4.81% |
5.10% |
4.61% |
4.29% |
| Texas Ratio |
26.46% |
27.23% |
29.46% |
30.51% |
29.25% |
29.07% |
| Return on Average Assets |
0.63% |
0.40% |
0.47% |
0.46% |
0.45% |
0.31% |
| Return on Average Equity |
6.38% |
4.64% |
5.25% |
5.76% |
5.98% |
4.28% |
|
Highline Peer Group Rating - December 31, 2011
41/B
Veribanc Information - September 30, 2011 as reported by SNL Financial
- Veribanc Safety Rating - Green
- Veribanc Regulatory Capital Class - Well Capitalized
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.
