Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.8 and a capital leverage ratio of 11.0. A current level of 5.0 percent of nonperforming loans to core capital combined with 8.8 percent from a year earlier contributes to the Good asset quality (6.7).
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 (6.6 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 Good (5.1) profitability.
Asset Mix:
Securities (30%), comm re (27%), home mtgs (13%), comm loans (7%), cash (6%), consumer loans (1%), other (17%)
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
701 Wildwood Plantation Drive
Valdosta, GA 31602
Valdosta, GA 31602
Phone Number
(229) 241-9444
Year Founded
2001
FDIC Number
Website
Largest Affiliates
Brunswick, GA
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Bank
Waycross, GA
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Bank