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ACBB's Financial Information
 
 
Financial Highlights
March 31, 2008

 

 
Net Income (3 months)   $809,726
Total Assets   $493,814,713
Capital:    
Leverage Ratio   10.84%
Tier 1 Risk Based Capital Ratio   12.43%
Total Risk Based Capital Ratio   13.69%
Risk Based Assets / Capital Status   Well Capitalized
Loan Loss Reserve/Total Loans   2.25%
Loans 30 Days Past Due and Over To Total Loans (Still Accruing)   1.10%
Non-Accrual Loans to Total Loans   3.66%
Non-Performing Assets to Total Assets   2.36%
Loan Loss Reserve to Non-Performing Assets   58.88%
 
Highline Information for 12/31/07
Peer Group Rating   C
Core Capital to Total Assets   10.71%
Non-Performing Assets to Total Assets   2.28%
Return on Average Assets   0.35%
Return on Average Equity   3.22%
 
Note: Per Regulation F, a bank is considered adequately capitalized if:
  1. Its leverage ratio is 4% or greater,
  2. Its Tier 1 Risk Based Capital Ratio is 4% or greater; and
  3. Its Total Risk Based Capital Ratio is 8% or greater.
 
LACE Financial Corporation Information for 12/31/07

LACE Rating

C+