Vitals
  • Total Assets
    143.5M 11.3 %
  • Total Deposits
    126.8M 10.9 %
  • Total Net Loans
    116.6M 25.7 %
  • Net Income
    1.3M 39.6 %
  • Book Value
    14.4M 6.5 %
  • Book Value x2
    28.9M 6.5 %
  • Book Value x3
    43.3M 6.5 %
ROAA

.93

ROAE

8.871

Efficiency Ratio

69.619

Net Interest Margin

4.488

Balance Sheet Highlights
Financial Highlights Southern Bank & Trust All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 143,517 256,123
Total Net Loans 116,565 160,108
Total Deposits 126,846 221,413
Total Equity 14,428 27,434
Profitability
Net Income 1,258 2,812
Return on Average Assets .93 .99
Return on Average Equity 8.871 8.811
Net Interest Margin 4.488 4.031
Efficiency Ratio 69.619 72.067
Noninterest Income/Revenue 10.296 19.316
Balance Sheet Ratios
Loan-to-Deposit 91.895 70.662
Securities/Assets .141 .165
Total Equity/Total Assets .101 .107
Tangible Equity/Tangible Assets .101 .105
Capital Adequacy
Tier 1 Common Capital 14,425 26,376
Tier 1 Capital 14,425 26,452
Tier 2 Capital 1,456 1,919
Total Capital 15,881 28,453
Total Risk Weighted Assets 116,007 174,280
Leverage Ratio 10.2 10.62
Common Equity Tier 1 Capital Ratio 12.43 16.191
Tier 1 Capital Ratio 12.43 16.286
Total Capital Ratio 13.69 17.433

Timeline for Southern Bank & Trust

Southern Bank & Trust

Southern Bank & Trust was established 18 years ago and is currently headquartered in Clarkesville, GA.

Dec 06 2005

Sbt Bancorp, Inc.

Sbt Bancorp, Inc. became a new parent organization for Southern Bank & Trust.

View Profile Dec 06 2005
Relationships Role Relationship Start Relationship End
Sbt Bancorp, Inc. Parent 12/6/2005
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