Vitals
  • Total Assets
    594.9M 5.4 %
  • Total Deposits
    470.6M 3.2 %
  • Total Net Loans
    343.4M 15.1 %
  • Net Income
    6.7M 6.2 %
  • Book Value
    74.9M 1.9 %
  • Book Value x2
    149.9M 1.9 %
  • Book Value x3
    224.8M 1.9 %
ROAA

1.168

ROAE

8.735

Efficiency Ratio

57.815

Net Interest Margin

3.599

Balance Sheet Highlights
Financial Highlights West Alabama Bank & Trust All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 594,859 266,812
Total Net Loans 343,367 157,006
Total Deposits 470,644 227,200
Total Equity 74,940 30,855
Profitability
Net Income 6,704 2,603
Return on Average Assets 1.168 .91
Return on Average Equity 8.735 7.525
Net Interest Margin 3.599 3.872
Efficiency Ratio 57.815 69.238
Noninterest Income/Revenue 19.714 15.218
Balance Sheet Ratios
Loan-to-Deposit 72.957 65.031
Securities/Assets .319 .23
Total Equity/Total Assets .126 .116
Tangible Equity/Tangible Assets .114 .114
Capital Adequacy
Tier 1 Common Capital 70,687 30,655
Tier 1 Capital 70,687 30,655
Tier 2 Capital 4,050 1,864
Total Capital 74,737 32,526
Total Risk Weighted Assets 403,670 184,216
Leverage Ratio 12.29 11.829
Common Equity Tier 1 Capital Ratio 17.51 18.757
Tier 1 Capital Ratio 17.51 18.762
Total Capital Ratio 18.51 19.824

Timeline for West Alabama Bank & Trust

Merchants & Farmers Bank

Acquisition: West Alabama Bank & Trust acquired a new subsidiary, Merchants & Farmers Bank, 18 years

View Profile Jan 01 2006

The Perry County Bank

Acquisition: West Alabama Bank & Trust acquired a new subsidiary, The Perry County Bank, 23 years

View Profile Sep 01 2000

Wab&T Financial Services, Inc.

Wab&T Financial Services, Inc. became a new subsidiary organization for West Alabama Bank & Trust.

View Profile Jan 01 1994

Phenix Federal Savings And Loan Association, Fa

Acquisition: West Alabama Bank & Trust acquired a new subsidiary, Phenix Federal Savings And Loan Association, Fa, 33 years

View Profile May 19 1990

First State Bank Of Carrollton, Alabama

Acquisition: West Alabama Bank & Trust acquired a new subsidiary, First State Bank Of Carrollton, Alabama, 34 years

View Profile Jun 17 1989

Want to see more?

Complete timeline for West Alabama Bank & Trust is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Merchants & Farmers Bank Seller 69,390 Acquisition Discontinued 1/1/2006
The Perry County Bank Seller 31,012 Acquisition Discontinued 9/1/2000
Phenix Federal Savings And Loan Association, Fa Seller 105,049 Failure 5/19/1990
First State Bank Of Carrollton, Alabama Seller 14,801 Discontinued 6/17/1989
Aliceville Bank & Trust Company Seller 29,405 Discontinued 4/17/1987
Relationships Role Relationship Start Relationship End
West Alabama Capital Corp. Parent 10/2/1992
West Alabama Capital Corp. Parent 4/17/1987 10/1/1992
West Alabama Capital Corp. Parent 12/1/1985 4/16/1987
West Alabama Capital Corp. Parent 7/29/1983 11/30/1985
Wab&T Financial Services, Inc. Subsidary 6/30/2007
Wab&T Financial Services, Inc. Subsidary 1/1/1994 6/29/2007
Similar Organizations
Organization City State Total Assets
Central Bank Illinois
 		Geneseo IL 574.0M
Bank Of Labor
 		Kansas City KS 572.2M
The Farmers Bank
 		Portland TN 591.1M
Platinum Bank
 		Brandon FL 583.9M
First Us Bank
 		Thomasville AL 600.0M
The Business Bank Of Saint Louis
 		Clayton MO 584.9M
Heritage Bank
 		Wood River NE 577.7M
Mountain Commerce Bank
 		Knoxville TN 577.0M
The Evangeline Bank And Trust Company
 		Ville Platte LA 575.4M
Arizona Bank & Trust
 		Phoenix AZ 574.6M