State Bank & Trust (AL)

State Bank & Trust (AL) is headquartered in Winfield and is the 53^rd largest bank in the state of Alabama. It is also the 3,057^th largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 55 employees at 4 locations. State Bank & Trust (AL) has a 5-star health rating.

Data for Q1 2012

Institution Statistics State Bank & Trust FDIC Certificate # 861 BankRate Report View Year Established 1907 Employees 55 Primary Regulator FDIC Assets and Liabilities Assets $204.86 million Loans $61.91 million Deposits $171.91 million Equity Capital $31.52 million Loan Loss Allowance $843,000 Unbacked Noncurrent Loans $1.84 million Real Estate Owned $1.67 million Historic Data - March 2011 Assets $190.09 million Equity Capital $26.84 million Loan Loss Allowance $995,000 Unbacked Noncurrent Loans $2.53 million Real Estate Owned $1.76 million Profit Margin - Quarterly Net Interest Margin 3.94% Return on Assets 1.3% Return on Equity 8.41% Interest Income $2.31 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 State Bank & Trust (AL) had $3.51 million in non-current loans and owned real-estate with $32.36 million in equity and loan loss allowances on hand to cover it. This gives State Bank & Trust (AL) a Texas Ratio of 10.84% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for State Bank & Trust (AL) decreased slightly from 15.43% as of March 31, 2011 to 10.84% as of March 31, 2012, resulting in a positive change of 29.71%.This indicates that the balance sheet and financial strength for State Bank & Trust (AL) has improved slightly in recent periods. Deposit Growth In the past year, State Bank & Trust (AL) has increased its total deposits by $10.15 million, resulting in 6.28% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth State Bank & Trust (AL) has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. State Bank & Trust (AL) has $204.86 million in assets with $32.36 million in equity, resulting in a capitalization level of 15.80%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.