| Weiss Ratings |
West Central Georgia Bank
Thomaston, GA |
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| Rating | ||||
| Asset Quality Index | 9.30 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 4.30 | |||
| Profitability Index | 7.90 | |||
| Stability Index | 9.20 | |||
| Company Info |
West Central Georgia Bank
Thomaston, GA |
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| FDIC Number | 21526 | |||
| Phone Number | (706) 647-8951 | |||
| Website | www.wcgb.com | |||
| Asset Quality |
West Central Georgia Bank
Thomaston, GA |
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| 1-Year Asset Growth | 1.92% | |||
| 5-Year Asset Growth | 2.90% | |||
| 5-Year Charge-Offs to Average Loans | 0.02% | |||
| Charge-Offs to Average Loans | 0.02% | |||
| Non-Performing Assets to Assets | 0.02% | |||
| Non-Performing Loans to Capital | 0.09% | |||
| Non-Performing Loans to Loans | 0.04% | |||
| Balance Sheet |
West Central Georgia Bank
Thomaston, GA |
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| Total Assets | 160.38M | |||
| Total Deposits | 123.74M | |||
| Capital and Reserves |
West Central Georgia Bank
Thomaston, GA |
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| Capital | 34.05M | |||
| Leverage Ratio | 22.22 | |||
| Loan Loss Reserves to Loans | 2.26% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
West Central Georgia Bank
Thomaston, GA |
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| Hot Money Ratio | 13.82% | |||
| Liquidity Ratio | 53.81% | |||
| Profitability |
West Central Georgia Bank
Thomaston, GA |
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| 5-Year Return on Average Assets | 1.43% | |||
| Net Income | 1.32M | |||
| Net Interest Spread | 4.28% | |||
| Operating Profit to Average Assets | 2.00% | |||
| Overhead Efficiency Ratio | 55.75% | |||
| Return on Assets | 1.61% | |||
| Return on Equity | 7.78% | |||