Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.2. A current level of 1.0 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (9.0).
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 (6.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Fair (4.4) profitability.
Asset Mix:
Securities (36%), comm re (29%), cash (11%), home mtgs (10%), comm loans (3%), consumer loans (0%), other (11%)
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
501 Tebeau Street
Waycross, GA 31501
Waycross, GA 31501
Phone Number
(912) 283-0001
Year Founded
1988
FDIC Number
Website
Largest Affiliates
Valdosta, GA
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Bank
Brunswick, GA
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Bank