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ACBB's Financial Information
 
 
 
 
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:

      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.