| Weiss Ratings |
State Bank & Trust
Winfield, AL |
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| Rating | ||||
| Asset Quality Index | 6.10 | |||
| Capitalization Index | 7.10 | |||
| Liquidity Index | 3.20 | |||
| Profitability Index | 3.00 | |||
| Stability Index | 2.70 | |||
| Company Info |
State Bank & Trust
Winfield, AL |
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| FDIC Number | 861 | |||
| Phone Number | (205) 487-4265 | |||
| Website | www.statebank.net | |||
| Asset Quality |
State Bank & Trust
Winfield, AL |
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| 1-Year Asset Growth | 4.95% | |||
| 5-Year Asset Growth | 10.66% | |||
| 5-Year Charge-Offs to Average Loans | 0.05% | |||
| Charge-Offs to Average Loans | 0.07% | |||
| Non-Performing Assets to Assets | 0.54% | |||
| Non-Performing Loans to Capital | 4.35% | |||
| Non-Performing Loans to Loans | 1.01% | |||
| Balance Sheet |
State Bank & Trust
Winfield, AL |
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| Total Assets | 385.48M | |||
| Total Deposits | 324.42M | |||
| Capital and Reserves |
State Bank & Trust
Winfield, AL |
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| Capital | 16.24M | |||
| Leverage Ratio | 9.04 | |||
| Loan Loss Reserves to Loans | 1.05% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
State Bank & Trust
Winfield, AL |
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| Hot Money Ratio | 40.54% | |||
| Liquidity Ratio | 23.71% | |||
| Profitability |
State Bank & Trust
Winfield, AL |
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| 5-Year Return on Average Assets | 1.01% | |||
| Net Income | 610.00K | |||
| Net Interest Spread | 2.57% | |||
| Operating Profit to Average Assets | 0.64% | |||
| Overhead Efficiency Ratio | 72.38% | |||
| Return on Assets | 0.61% | |||
| Return on Equity | 16.28% | |||