Vitals
  • Total Assets
    212.5M -0.9 %
  • Total Deposits
    175.0M 2.8 %
  • Total Net Loans
    94.5M 2.0 %
  • Net Income
    2.5M -11.2 %
  • Book Value
    36.6M 0.8 %
  • Book Value x2
    73.2M 0.8 %
  • Book Value x3
    109.9M 0.8 %
ROAA

1.156

ROAE

6.756

Efficiency Ratio

56.229

Net Interest Margin

4.191

Balance Sheet Highlights
Financial Highlights Small Town Bank All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 212,471 266,812
Total Net Loans 94,494 157,006
Total Deposits 174,984 227,200
Total Equity 36,625 30,855
Profitability
Net Income 2,472 2,603
Return on Average Assets 1.156 .91
Return on Average Equity 6.756 7.525
Net Interest Margin 4.191 3.872
Efficiency Ratio 56.229 69.238
Noninterest Income/Revenue 8.965 15.218
Balance Sheet Ratios
Loan-to-Deposit 54.002 65.031
Securities/Assets .405 .23
Total Equity/Total Assets .172 .116
Tangible Equity/Tangible Assets .16 .114
Capital Adequacy
Tier 1 Common Capital 34,467 30,655
Tier 1 Capital 34,467 30,655
Tier 2 Capital 1,608 1,864
Total Capital 36,075 32,526
Total Risk Weighted Assets 128,346 184,216
Leverage Ratio 16.51 11.829
Common Equity Tier 1 Capital Ratio 26.85 18.757
Tier 1 Capital Ratio 26.85 18.762
Total Capital Ratio 28.11 19.824

Timeline for Small Town Bank

Small Town Bank

Small Town Bank was established 24 years ago and is currently headquartered in Wedowee, AL.

Jul 02 1999

East Alabama Financial Group, Inc.

East Alabama Financial Group, Inc. became a new parent organization for Small Town Bank.

View Profile Jul 02 1999
Relationships Role Relationship Start Relationship End
East Alabama Financial Group, Inc. Parent 7/2/1999
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