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ACBB's Financial Information
Annual Report 2008
Financial Highlights
December 31, 2009
Net Income (12 months)
$1,693,387
Total Assets
$682,215,381
Capital:
Leverage Ratio
7.26%
Tier 1 Risk Based Capital Ratio
14.30%
Total Risk Based Capital Ratio
15.58%
Risk Based Assets / Capital Status
Well Capitalized
Loan Loss Reserve/Total Loans
3.60%
Loans 30 Days Past Due and Over To Total Loans (Still Accruing)
1.11%
Non-Performing Assets to Total Assets
3.38%
Loan Loss Reserve to Non-Performing Assets
61.06%
Loan Loss Reserve to Non-Performing Loans
75.68%
Highline Information for 9/30/2009
Highline Rating
17/C
Core Capital to Total Assets
7.47%
Non-Performing Assets to Total Assets
4.01%
Return on Average Assets
0.23%
Return on Average Equity
2.97%
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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