| Weiss Ratings |
State Bank & Trust
Winfield, AL |
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| Rating | ||||
| Asset Quality Index | 6.20 | |||
| Capitalization Index | 7.40 | |||
| Liquidity Index | 2.40 | |||
| Profitability Index | 3.10 | |||
| 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 | 5.15% | |||
| 5-Year Asset Growth | 6.90% | |||
| 5-Year Charge-Offs to Average Loans | 0.05% | |||
| Charge-Offs to Average Loans | 0.35% | |||
| Non-Performing Assets to Assets | 0.54% | |||
| Non-Performing Loans to Capital | 3.89% | |||
| Non-Performing Loans to Loans | 0.66% | |||
| Balance Sheet |
State Bank & Trust
Winfield, AL |
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| Total Assets | 396.37M | |||
| Total Deposits | 346.56M | |||
| Capital and Reserves |
State Bank & Trust
Winfield, AL |
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| Capital | 21.57M | |||
| Leverage Ratio | 9.23 | |||
| Loan Loss Reserves to Loans | 1.04% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
State Bank & Trust
Winfield, AL |
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| Hot Money Ratio | 44.98% | |||
| Liquidity Ratio | 17.92% | |||
| Profitability |
State Bank & Trust
Winfield, AL |
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| 5-Year Return on Average Assets | 1.01% | |||
| Net Income | 2.66M | |||
| Net Interest Spread | 2.90% | |||
| Operating Profit to Average Assets | 0.69% | |||
| Overhead Efficiency Ratio | 61.14% | |||
| Return on Assets | 0.67% | |||
| Return on Equity | 14.88% | |||