| Weiss Ratings |
United Southern Bank
Umatilla, FL |
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| Rating | ||||
| Asset Quality Index | 7.40 | |||
| Capitalization Index | 9.70 | |||
| Liquidity Index | 3.60 | |||
| Profitability Index | 5.80 | |||
| Stability Index | 4.20 | |||
| 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 | -0.65% | |||
| 5-Year Asset Growth | 4.73% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 0.02% | |||
| Non-Performing Assets to Assets | 0.41% | |||
| Non-Performing Loans to Capital | 2.66% | |||
| Non-Performing Loans to Loans | 0.74% | |||
| Balance Sheet |
United Southern Bank
Umatilla, FL |
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| Total Assets | 843.00M | |||
| Total Deposits | 769.06M | |||
| Capital and Reserves |
United Southern Bank
Umatilla, FL |
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| Capital | 64.15M | |||
| Leverage Ratio | 10.77 | |||
| Loan Loss Reserves to Loans | 1.96% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
United Southern Bank
Umatilla, FL |
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| Hot Money Ratio | 0.64% | |||
| Liquidity Ratio | 25.07% | |||
| Profitability |
United Southern Bank
Umatilla, FL |
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| 5-Year Return on Average Assets | 1.01% | |||
| Net Income | 5.20M | |||
| Net Interest Spread | 3.69% | |||
| Operating Profit to Average Assets | 1.62% | |||
| Overhead Efficiency Ratio | 61.74% | |||
| Return on Assets | 1.19% | |||
| Return on Equity | 16.62% | |||