| Weiss Ratings |
First Southern National Bank
Lancaster, KY |
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| Rating | ||||
| Asset Quality Index | 7.90 | |||
| Capitalization Index | 8.00 | |||
| Liquidity Index | 4.10 | |||
| Profitability Index | 7.00 | |||
| Stability Index | 8.60 | |||
| 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 | 0.44% | |||
| 5-Year Asset Growth | 7.09% | |||
| 5-Year Charge-Offs to Average Loans | 0.04% | |||
| Charge-Offs to Average Loans | 0.05% | |||
| Non-Performing Assets to Assets | 0.27% | |||
| Non-Performing Loans to Capital | 2.23% | |||
| Non-Performing Loans to Loans | 0.44% | |||
| Balance Sheet |
First Southern National Bank
Lancaster, KY |
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| Total Assets | 1.22B | |||
| Total Deposits | 1.08B | |||
| Capital and Reserves |
First Southern National Bank
Lancaster, KY |
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| Capital | 122.78M | |||
| Leverage Ratio | 9.63 | |||
| Loan Loss Reserves to Loans | 1.53% | |||
| Risk-Based Capital Ratio | 17.50 | |||
| Liquidity |
First Southern National Bank
Lancaster, KY |
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| Hot Money Ratio | 10.81% | |||
| Liquidity Ratio | 26.68% | |||
| Profitability |
First Southern National Bank
Lancaster, KY |
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| 5-Year Return on Average Assets | 0.97% | |||
| Net Income | 5.47M | |||
| Net Interest Spread | 4.26% | |||
| Operating Profit to Average Assets | 2.41% | |||
| Overhead Efficiency Ratio | 64.12% | |||
| Return on Assets | 1.81% | |||
| Return on Equity | 18.33% | |||