| Weiss Ratings |
First Southern Bank
Waycross, GA |
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| Rating | ||||
| Asset Quality Index | 7.90 | |||
| Capitalization Index | 6.60 | |||
| Liquidity Index | 0.40 | |||
| Profitability Index | 5.30 | |||
| Stability Index | 3.70 | |||
| Company Info |
First Southern Bank
Waycross, GA |
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| FDIC Number | 10055 | |||
| Phone Number | (912) 490-1010 | |||
| Website | www.fsb-bank.bank | |||
| Asset Quality |
First Southern Bank
Waycross, GA |
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| 1-Year Asset Growth | 5.34% | |||
| 5-Year Asset Growth | 29.80% | |||
| 5-Year Charge-Offs to Average Loans | -0.05% | |||
| Charge-Offs to Average Loans | 0.01% | |||
| Non-Performing Assets to Assets | 0.00% | |||
| Non-Performing Loans to Capital | 0.00% | |||
| Non-Performing Loans to Loans | 0.00% | |||
| Balance Sheet |
First Southern Bank
Waycross, GA |
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| Total Assets | 324.13M | |||
| Total Deposits | 292.27M | |||
| Capital and Reserves |
First Southern Bank
Waycross, GA |
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| Capital | 30.23M | |||
| Leverage Ratio | 10.52 | |||
| Loan Loss Reserves to Loans | 0.90% | |||
| Risk-Based Capital Ratio | 15.15 | |||
| Liquidity |
First Southern Bank
Waycross, GA |
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| Hot Money Ratio | 12.46% | |||
| Liquidity Ratio | 6.28% | |||
| Profitability |
First Southern Bank
Waycross, GA |
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| 5-Year Return on Average Assets | 0.63% | |||
| Net Income | 2.44M | |||
| Net Interest Spread | 4.57% | |||
| Operating Profit to Average Assets | 1.34% | |||
| Overhead Efficiency Ratio | 70.80% | |||
| Return on Assets | 1.01% | |||
| Return on Equity | 11.31% | |||