| Weiss Ratings |
United Southern Bank
Umatilla, FL |
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| Rating | ||||
| Asset Quality Index | 7.50 | |||
| Capitalization Index | 9.10 | |||
| Liquidity Index | 3.80 | |||
| Profitability Index | 5.40 | |||
| Stability Index | 4.10 | |||
| Company Info |
United Southern Bank
Umatilla, FL |
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| FDIC Number | 15465 | |||
| Phone Number | (352) 669-2121 | |||
| Website | www.unitedsouthernbank.com | |||
| Asset Quality |
United Southern Bank
Umatilla, FL |
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| 1-Year Asset Growth | -1.27% | |||
| 5-Year Asset Growth | 4.73% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | -0.01% | |||
| Non-Performing Assets to Assets | 0.45% | |||
| Non-Performing Loans to Capital | 3.06% | |||
| Non-Performing Loans to Loans | 0.87% | |||
| Balance Sheet |
United Southern Bank
Umatilla, FL |
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| Total Assets | 841.77M | |||
| Total Deposits | 771.13M | |||
| Capital and Reserves |
United Southern Bank
Umatilla, FL |
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| Capital | 61.47M | |||
| Leverage Ratio | 10.38 | |||
| Loan Loss Reserves to Loans | 2.09% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
United Southern Bank
Umatilla, FL |
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| Hot Money Ratio | 0.71% | |||
| Liquidity Ratio | 25.06% | |||
| Profitability |
United Southern Bank
Umatilla, FL |
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| 5-Year Return on Average Assets | 0.96% | |||
| Net Income | 10.10M | |||
| Net Interest Spread | 3.40% | |||
| Operating Profit to Average Assets | 1.51% | |||
| Overhead Efficiency Ratio | 61.66% | |||
| Return on Assets | 1.16% | |||
| Return on Equity | 19.61% | |||