Vitals
  • Total Assets
    118.5M -0.1 %
  • Total Deposits
    87.9M -0.5 %
  • Total Net Loans
    45.4M 2.0 %
  • Net Income
    1.4M 0.4 %
  • Book Value
    29.1M 1.2 %
  • Book Value x2
    58.3M 1.2 %
  • Book Value x3
    87.4M 1.2 %
ROAA

1.152

ROAE

4.633

Efficiency Ratio

59.283

Net Interest Margin

4.388

Balance Sheet Highlights
Financial Highlights West Central Georgia Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 118,469 256,123
Total Net Loans 45,405 160,108
Total Deposits 87,880 221,413
Total Equity 29,135 27,434
Profitability
Net Income 1,362 2,812
Return on Average Assets 1.152 .99
Return on Average Equity 4.633 8.811
Net Interest Margin 4.388 4.031
Efficiency Ratio 59.283 72.067
Noninterest Income/Revenue 14.5 19.316
Balance Sheet Ratios
Loan-to-Deposit 51.667 70.662
Securities/Assets .466 .165
Total Equity/Total Assets .246 .107
Tangible Equity/Tangible Assets .246 .105
Capital Adequacy
Tier 1 Common Capital 29,709 26,376
Tier 1 Capital 29,709 26,452
Tier 2 Capital 765 1,919
Total Capital 30,474 28,453
Total Risk Weighted Assets 60,706 174,280
Leverage Ratio 25.38 10.62
Common Equity Tier 1 Capital Ratio 48.94 16.191
Tier 1 Capital Ratio 48.94 16.286
Total Capital Ratio 50.2 17.433

Timeline for West Central Georgia Bank

Bankers Bank Card Services, Inc.

Bankers Bank Card Services, Inc. became a new subsidiary organization for West Central Georgia Bank.

View Profile Dec 05 1997

Wcg Bancshares, Inc.

Wcg Bancshares, Inc. became a new parent organization for West Central Georgia Bank.

View Profile Feb 01 1983

West Central Georgia Bank

West Central Georgia Bank was established 50 years ago and is currently headquartered in Thomaston, GA.

Apr 15 1974
Relationships Role Relationship Start Relationship End
Wcg Bancshares, Inc. Parent 2/1/1983
Bankers Bank Card Services, Inc. Subsidary 12/5/1997 3/13/1998
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