| Weiss Ratings |
First Southern Bank
Waycross, GA |
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| Rating | ||||
| Asset Quality Index | 7.80 | |||
| Capitalization Index | 5.90 | |||
| Liquidity Index | 0.80 | |||
| Profitability Index | 4.90 | |||
| Stability Index | 4.30 | |||
| 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 | 5.68% | |||
| 5-Year Asset Growth | 29.80% | |||
| 5-Year Charge-Offs to Average Loans | -0.05% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| 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 | 330.95M | |||
| Total Deposits | 300.34M | |||
| Capital and Reserves |
First Southern Bank
Waycross, GA |
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| Capital | 29.12M | |||
| Leverage Ratio | 10.29 | |||
| Loan Loss Reserves to Loans | 0.91% | |||
| Risk-Based Capital Ratio | 15.15 | |||
| Liquidity |
First Southern Bank
Waycross, GA |
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| Hot Money Ratio | 11.13% | |||
| Liquidity Ratio | 10.76% | |||
| Profitability |
First Southern Bank
Waycross, GA |
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| 5-Year Return on Average Assets | 0.63% | |||
| Net Income | 1.50M | |||
| Net Interest Spread | 4.51% | |||
| Operating Profit to Average Assets | 1.24% | |||
| Overhead Efficiency Ratio | 72.19% | |||
| Return on Assets | 0.94% | |||
| Return on Equity | 10.61% | |||