| Weiss Ratings |
Waycross Bank & Trust
Waycross, GA |
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| Rating | ||||
| Asset Quality Index | 9.00 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.80 | |||
| Profitability Index | 4.60 | |||
| Stability Index | 6.10 | |||
| Company Info |
Waycross Bank & Trust
Waycross, GA |
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| FDIC Number | 27254 | |||
| Phone Number | (912) 283-0001 | |||
| Website | www.wbt.bank | |||
| Asset Quality |
Waycross Bank & Trust
Waycross, GA |
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| 1-Year Asset Growth | 2.94% | |||
| 5-Year Asset Growth | 8.88% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | 0.04% | |||
| Non-Performing Assets to Assets | 0.11% | |||
| Non-Performing Loans to Capital | 0.89% | |||
| Non-Performing Loans to Loans | 0.20% | |||
| Balance Sheet |
Waycross Bank & Trust
Waycross, GA |
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| Total Assets | 250.06M | |||
| Total Deposits | 228.69M | |||
| Capital and Reserves |
Waycross Bank & Trust
Waycross, GA |
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| Capital | 17.45M | |||
| Leverage Ratio | 11.19 | |||
| Loan Loss Reserves to Loans | 1.70% | |||
| Risk-Based Capital Ratio | 20.07 | |||
| Liquidity |
Waycross Bank & Trust
Waycross, GA |
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| Hot Money Ratio | 12.63% | |||
| Liquidity Ratio | 34.81% | |||
| Profitability |
Waycross Bank & Trust
Waycross, GA |
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| 5-Year Return on Average Assets | 1.18% | |||
| Net Income | 1.59M | |||
| Net Interest Spread | 3.07% | |||
| Operating Profit to Average Assets | 1.23% | |||
| Overhead Efficiency Ratio | 59.85% | |||
| Return on Assets | 1.23% | |||
| Return on Equity | 19.20% | |||