 |
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| ACBB's Financial Information |
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| |
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| Financial Highlights |
| March 31, 2008 |
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| Net
Income (3 months) |
|
$809,726 |
| Total Assets |
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$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% |
|
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| |
| Highline
Information for 12/31/07 |
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|
| 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% |
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| |
| Note: Per
Regulation F, a bank is considered adequately capitalized
if: |
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- 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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| LACE Financial Corporation Information for 12/31/07 |
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C+ |
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| Copyright © ACBB.
All rights reserved. |
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