| Weiss Ratings |
First State Bank of the South, Inc.
Sulligent, AL |
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| Rating | ||||
| Asset Quality Index | 8.40 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 4.30 | |||
| Profitability Index | 5.00 | |||
| Stability Index | 8.40 | |||
| Company Info |
First State Bank of the South, Inc.
Sulligent, AL |
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| FDIC Number | 21050 | |||
| Phone Number | (205) 698-8116 | |||
| Website | www.firststatebanksouth.com | |||
| Asset Quality |
First State Bank of the South, Inc.
Sulligent, AL |
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| 1-Year Asset Growth | -0.44% | |||
| 5-Year Asset Growth | 2.40% | |||
| 5-Year Charge-Offs to Average Loans | 0.02% | |||
| Charge-Offs to Average Loans | -0.01% | |||
| Non-Performing Assets to Assets | 0.91% | |||
| Non-Performing Loans to Capital | 0.61% | |||
| Non-Performing Loans to Loans | 0.18% | |||
| Balance Sheet |
First State Bank of the South, Inc.
Sulligent, AL |
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| Total Assets | 130.72M | |||
| Total Deposits | 109.15M | |||
| Capital and Reserves |
First State Bank of the South, Inc.
Sulligent, AL |
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| Capital | 19.82M | |||
| Leverage Ratio | 16.38 | |||
| Loan Loss Reserves to Loans | 1.14% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First State Bank of the South, Inc.
Sulligent, AL |
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| Hot Money Ratio | 22.67% | |||
| Liquidity Ratio | 44.98% | |||
| Profitability |
First State Bank of the South, Inc.
Sulligent, AL |
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| 5-Year Return on Average Assets | 1.01% | |||
| Net Income | 680.00K | |||
| Net Interest Spread | 4.00% | |||
| Operating Profit to Average Assets | 1.33% | |||
| Overhead Efficiency Ratio | 65.88% | |||
| Return on Assets | 1.05% | |||
| Return on Equity | 6.96% | |||