| Weiss Ratings |
West Alabama Bank & Trust
Reform, AL |
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| Rating | ||||
| Asset Quality Index | 8.40 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.60 | |||
| Profitability Index | 6.00 | |||
| Stability Index | 5.70 | |||
| 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 | -1.86% | |||
| 5-Year Asset Growth | 7.23% | |||
| 5-Year Charge-Offs to Average Loans | 0.17% | |||
| Charge-Offs to Average Loans | 0.16% | |||
| Non-Performing Assets to Assets | 0.75% | |||
| Non-Performing Loans to Capital | 2.21% | |||
| Non-Performing Loans to Loans | 0.46% | |||
| Balance Sheet |
West Alabama Bank & Trust
Reform, AL |
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| Total Assets | 928.95M | |||
| Total Deposits | 806.41M | |||
| Capital and Reserves |
West Alabama Bank & Trust
Reform, AL |
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| Capital | 97.61M | |||
| Leverage Ratio | 12.22 | |||
| Loan Loss Reserves to Loans | 1.18% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
West Alabama Bank & Trust
Reform, AL |
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| Hot Money Ratio | 28.74% | |||
| Liquidity Ratio | 17.99% | |||
| Profitability |
West Alabama Bank & Trust
Reform, AL |
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| 5-Year Return on Average Assets | 0.94% | |||
| Net Income | 6.10M | |||
| Net Interest Spread | 3.58% | |||
| Operating Profit to Average Assets | 1.63% | |||
| Overhead Efficiency Ratio | 54.87% | |||
| Return on Assets | 1.27% | |||
| Return on Equity | 12.72% | |||