Vitals
  • Total Assets
    185.8M
  • Total Deposits
    167.1M
  • Total Net Loans
    108.6M
  • Net Income
    435000.0000
  • Book Value
    15.1M
  • Book Value x2
    30.2M
  • Book Value x3
    45.2M
ROAA

.314

ROAE

3.932

Efficiency Ratio

61.04

Net Interest Margin

3.567

Balance Sheet Highlights
Financial Highlights Southern Bank & Trust All Insured Commercial Banks in South Carolina
Balance Sheet $(000)
Total Assets 185,789 325,068
Total Net Loans 108,586 202,850
Total Deposits 167,082 270,380
Total Equity 15,083 29,971
Profitability
Net Income 435 -480
Return on Average Assets .314 -.143
Return on Average Equity 3.932 -2.696
Net Interest Margin 3.567 3.711
Efficiency Ratio 61.04 81.37
Noninterest Income/Revenue 7.366 14.104
Balance Sheet Ratios
Loan-to-Deposit 64.99 72.673
Securities/Assets .228 .192
Total Equity/Total Assets .081 .092
Tangible Equity/Tangible Assets .081 .091
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 14,932 28,815
Tier 2 Capital 1,508 2,681
Total Capital 16,440 31,771
Total Risk Weighted Assets 118,952 218,547
Leverage Ratio 8.04 9.377
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 12.55 14.283
Total Capital Ratio 13.82 15.541

Timeline for Southern Bank & Trust

Georgia Bank & Trust Company Of Augusta

Southern Bank & Trust was acquired by Georgia Bank & Trust Company Of Augusta 12 years

View Profile Dec 05 2011

Southern Bank & Trust

Southern Bank & Trust was established 17 years ago and is currently headquartered in Aiken, SC.

Sep 12 2006

Southeastern Bank Financial Corporation

Southeastern Bank Financial Corporation became a new parent organization for Southern Bank & Trust.

View Profile Sep 12 2006
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Georgia Bank & Trust Company Of Augusta Buyer 1,870,559 Pooling of Interests Discontinued 12/5/2011
Relationships Role Relationship Start Relationship End
Southeastern Bank Financial Corporation Parent 10/1/2010 12/4/2011
Southeastern Bank Financial Corporation Parent 6/30/2007 9/30/2010
Southeastern Bank Financial Corporation Parent 9/12/2006 6/29/2007
Similar Organizations
Organization City State Total Assets
Golden Valley Bank
 		Chico CA 187.9M
Tri-County Bank & Trust Company
 		Roachdale IN 188.1M
Pearland State Bank
 		Pearland TX 188.2M
Farmers And Drovers Bank
 		Council Grove KS 188.6M
Security First Bank Of North Dakota
 		New Salem ND 182.8M
Farmers & Merchants Bank Of Colby
 		Colby KS 188.8M
Fortunebank
 		Arnold MO 189.1M
Putnam County State Bank
 		Unionville MO 189.2M
Spring Hill State Bank
 		Longview TX 189.3M
The Osgood State Bank
 		Osgood OH 189.8M