| Weiss Ratings |
West Alabama Bank & Trust
Reform, AL |
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| Rating | ||||
| Asset Quality Index | 7.70 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.10 | |||
| Profitability Index | 5.20 | |||
| Stability Index | 7.10 | |||
| Company Info |
West Alabama Bank & Trust
Reform, AL |
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| FDIC Number | 16175 | |||
| Phone Number | (205) 375-6261 | |||
| Website | www.wabt.com | |||
| Asset Quality |
West Alabama Bank & Trust
Reform, AL |
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| 1-Year Asset Growth | 3.02% | |||
| 5-Year Asset Growth | 7.23% | |||
| 5-Year Charge-Offs to Average Loans | 0.16% | |||
| Charge-Offs to Average Loans | 0.14% | |||
| Non-Performing Assets to Assets | 0.77% | |||
| Non-Performing Loans to Capital | 2.19% | |||
| Non-Performing Loans to Loans | 0.47% | |||
| Balance Sheet |
West Alabama Bank & Trust
Reform, AL |
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| Total Assets | 1.00B | |||
| Total Deposits | 885.45M | |||
| Capital and Reserves |
West Alabama Bank & Trust
Reform, AL |
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| Capital | 93.60M | |||
| Leverage Ratio | 11.44 | |||
| Loan Loss Reserves to Loans | 1.23% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
West Alabama Bank & Trust
Reform, AL |
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| Hot Money Ratio | 27.05% | |||
| Liquidity Ratio | 22.40% | |||
| Profitability |
West Alabama Bank & Trust
Reform, AL |
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| 5-Year Return on Average Assets | 0.89% | |||
| Net Income | 10.64M | |||
| Net Interest Spread | 3.32% | |||
| Operating Profit to Average Assets | 1.40% | |||
| Overhead Efficiency Ratio | 58.34% | |||
| Return on Assets | 1.08% | |||
| Return on Equity | 12.38% | |||