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SAFE & SOUND® STAR RATINGS

Financial statement

ACB BANK
323 SOUTH GRAND
CHEROKEE, Oklahoma 73728

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 266253




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$76,054$68,961$69,172
Loans Receivable, Net50,93843,18745,159
Mortgage-Backed Securities7,7937,6126,620
Investments7,26011,62410,312
Deposits63,15855,39958,610
Borrowings5,9417,0584,786
Equity6,6516,2295,507
Net Interest Income3,3122,6992,647
Fee Income394354403
Overhead1,9521,8281,846
Net Operating Income1,910919850
Net Income1,910906850
Ratio Analysis Profitability%%%
Return on Assets *2.711.311.25
Operating Return on Assets *2.711.321.25
Return on Equity *28.1014.8615.54
Net Interest Margin *5.154.334.41
Fee Income / Assets *0.560.510.60
Overhead / Assets *2.762.642.73
Efficiency Ratio51.664.4859.15
Asset Quality%%%
Nonperforming Assets / Assets1.222.592.29
Nonperforming Assets / Equity & Loss Reserves12.1924.7027.13
Loss Reserves / Nonperforming Loans475.492.310.72
1-4 Fam Mtg + MBS / Assets18.0718.1516.07
Commercial Real Estate Loans / Assets18.8316.4316.92
Construction Loans / Assets1.230.830.98
Commercial & Industrial Loans / Assets11.4112.8112.96
Consumer Loans / Assets4.393.623.29
Capitalization%%%
Equity / Assets8.759.037.96
Tangible Capital / Tangible Assets8.728.947.81
Risk-based Capital Ratio13.1113.6512.50
Liquidity%%%
Loans / Deposits80.6577.9677.05
Non-Interest Bearing Deposits / Deposits26.4717.8812.74
Purchased Liabilities15.0626.0132.15

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.43%
1 yr CD
0.67% 0.63%
5 yr CD
1.24% 1.24%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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