Major Rating Factors:
A current level of 2.8 percent of nonperforming loans to core capital combined with 5.6 percent from a year earlier contributes to the Excellent asset quality (7.6). Excellent current capitalization (7.6 on a scale of 0 to 10) and a capital leverage ratio of 9.4.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.9) profitability.
Asset Mix:
Comm re (31%), home mtgs (22%), cash (17%), securities (13%), comm loans (4%), home eq lns (3%), consumer loans (0%), other (10%)
States with Branches:
GA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
WB&T Bankshares, Inc.
Investment Rating
--
Address
1500 Newcastle Street
Brunswick, GA 31520
Brunswick, GA 31520
Phone Number
(912) 264-8887
Year Founded
1934
FDIC Number
Website
Largest Affiliates
Valdosta, GA
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Bank
Waycross, GA
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Bank