| Weiss Ratings |
First Southern State Bank
Stevenson, AL |
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| Rating | ||||
| Asset Quality Index | 8.50 | |||
| Capitalization Index | 9.40 | |||
| Liquidity Index | 3.00 | |||
| Profitability Index | 6.60 | |||
| Stability Index | 6.30 | |||
| Company Info |
First Southern State Bank
Stevenson, AL |
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| FDIC Number | 2829 | |||
| Phone Number | (256) 437-2171 | |||
| Website | www.fssbank.com | |||
| Asset Quality |
First Southern State Bank
Stevenson, AL |
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| 1-Year Asset Growth | 4.51% | |||
| 5-Year Asset Growth | 7.28% | |||
| 5-Year Charge-Offs to Average Loans | 0.08% | |||
| Charge-Offs to Average Loans | 0.12% | |||
| Non-Performing Assets to Assets | 0.23% | |||
| Non-Performing Loans to Capital | 1.20% | |||
| Non-Performing Loans to Loans | 0.14% | |||
| Balance Sheet |
First Southern State Bank
Stevenson, AL |
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| Total Assets | 893.48M | |||
| Total Deposits | 807.18M | |||
| Capital and Reserves |
First Southern State Bank
Stevenson, AL |
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| Capital | 80.13M | |||
| Leverage Ratio | 10.59 | |||
| Loan Loss Reserves to Loans | 1.21% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First Southern State Bank
Stevenson, AL |
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| Hot Money Ratio | 30.34% | |||
| Liquidity Ratio | 19.61% | |||
| Profitability |
First Southern State Bank
Stevenson, AL |
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| 5-Year Return on Average Assets | 1.21% | |||
| Net Income | 6.47M | |||
| Net Interest Spread | 3.73% | |||
| Operating Profit to Average Assets | 1.78% | |||
| Overhead Efficiency Ratio | 53.27% | |||
| Return on Assets | 1.42% | |||
| Return on Equity | 16.54% | |||