Vitals
  • Total Assets
    230.8M 2.6 %
  • Total Deposits
    200.4M 2.3 %
  • Total Net Loans
    73.8M -9.4 %
  • Net Income
    1.8M 15.3 %
  • Book Value
    29.4M 5.7 %
  • Book Value x2
    58.8M 5.7 %
  • Book Value x3
    88.2M 5.7 %
ROAA

1.075

ROAE

8.605

Efficiency Ratio

59.211

Net Interest Margin

2.989

Balance Sheet Highlights
Financial Highlights State Bank & Trust All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 230,777 262,366
Total Net Loans 73,761 153,206
Total Deposits 200,437 221,747
Total Equity 29,410 31,740
Profitability
Net Income 1,835 1,948
Return on Average Assets 1.075 .919
Return on Average Equity 8.605 7.567
Net Interest Margin 2.989 3.875
Efficiency Ratio 59.211 69.018
Noninterest Income/Revenue 17.205 15.504
Balance Sheet Ratios
Loan-to-Deposit 36.8 65.063
Securities/Assets .569 .233
Total Equity/Total Assets .127 .121
Tangible Equity/Tangible Assets .127 .119
Capital Adequacy
Tier 1 Common Capital 27,771 30,064
Tier 1 Capital 27,771 30,064
Tier 2 Capital 1,282 1,856
Total Capital 29,053 31,916
Total Risk Weighted Assets 102,322 178,436
Leverage Ratio 12.05 11.795
Common Equity Tier 1 Capital Ratio 27.14 18.994
Tier 1 Capital Ratio 27.14 18.999
Total Capital Ratio 28.39 20.08

Timeline for State Bank & Trust

Security Trust And Savings Bank

Acquisition: State Bank & Trust acquired a new subsidiary, Security Trust And Savings Bank, 33 years

View Profile Jan 16 1991

Peoples Bancorporation, Inc.

Peoples Bancorporation, Inc. became a new parent organization for State Bank & Trust.

View Profile Nov 03 1983

State Bank & Trust

State Bank & Trust was established 116 years ago and is currently headquartered in Winfield, AL.

Oct 03 1907
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Security Trust And Savings Bank Seller 16,813 Discontinued 1/16/1991
Relationships Role Relationship Start Relationship End
Peoples Bancorporation, Inc. Parent 12/31/1990
Peoples Bancorporation, Inc. Parent 11/3/1983 12/30/1990
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