| Weiss Ratings |
First Southern National Bank
Lancaster, KY |
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| Rating | ||||
| Asset Quality Index | 7.00 | |||
| Capitalization Index | 9.80 | |||
| Liquidity Index | 4.20 | |||
| Profitability Index | 3.70 | |||
| Stability Index | 9.90 | |||
| Company Info |
First Southern National Bank
Lancaster, KY |
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| FDIC Number | 2700 | |||
| Phone Number | (859) 792-2134 | |||
| Website | fsnb.net | |||
| Asset Quality |
First Southern National Bank
Lancaster, KY |
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| 1-Year Asset Growth | 3.55% | |||
| 5-Year Asset Growth | 4.53% | |||
| 5-Year Charge-Offs to Average Loans | 0.04% | |||
| Charge-Offs to Average Loans | 0.06% | |||
| Non-Performing Assets to Assets | 0.34% | |||
| Non-Performing Loans to Capital | 3.44% | |||
| Non-Performing Loans to Loans | 0.50% | |||
| Balance Sheet |
First Southern National Bank
Lancaster, KY |
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| Total Assets | 1.28B | |||
| Total Deposits | 1.12B | |||
| Capital and Reserves |
First Southern National Bank
Lancaster, KY |
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| Capital | 148.86M | |||
| Leverage Ratio | 10.85 | |||
| Loan Loss Reserves to Loans | 1.71% | |||
| Risk-Based Capital Ratio | 19.58 | |||
| Liquidity |
First Southern National Bank
Lancaster, KY |
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| Hot Money Ratio | 9.66% | |||
| Liquidity Ratio | 29.63% | |||
| Profitability |
First Southern National Bank
Lancaster, KY |
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| 5-Year Return on Average Assets | 1.22% | |||
| Net Income | 5.24M | |||
| Net Interest Spread | 4.83% | |||
| Operating Profit to Average Assets | 1.10% | |||
| Overhead Efficiency Ratio | 62.36% | |||
| Return on Assets | 0.82% | |||
| Return on Equity | 7.06% | |||