| Weiss Ratings |
First Southern State Bank
Stevenson, AL |
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| Rating | ||||
| Asset Quality Index | 8.50 | |||
| Capitalization Index | 8.60 | |||
| Liquidity Index | 3.00 | |||
| Profitability Index | 4.70 | |||
| Stability Index | 6.00 | |||
| 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 | 6.10% | |||
| 5-Year Asset Growth | 9.63% | |||
| 5-Year Charge-Offs to Average Loans | 0.07% | |||
| Charge-Offs to Average Loans | 0.10% | |||
| Non-Performing Assets to Assets | 0.08% | |||
| Non-Performing Loans to Capital | 0.62% | |||
| Non-Performing Loans to Loans | 0.08% | |||
| Balance Sheet |
First Southern State Bank
Stevenson, AL |
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| Total Assets | 836.53M | |||
| Total Deposits | 765.90M | |||
| Capital and Reserves |
First Southern State Bank
Stevenson, AL |
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| Capital | 64.36M | |||
| Leverage Ratio | 10.07 | |||
| Loan Loss Reserves to Loans | 1.20% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First Southern State Bank
Stevenson, AL |
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| Hot Money Ratio | 30.01% | |||
| Liquidity Ratio | 22.25% | |||
| Profitability |
First Southern State Bank
Stevenson, AL |
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| 5-Year Return on Average Assets | 1.20% | |||
| Net Income | 2.02M | |||
| Net Interest Spread | 3.19% | |||
| Operating Profit to Average Assets | 1.19% | |||
| Overhead Efficiency Ratio | 60.41% | |||
| Return on Assets | 0.94% | |||
| Return on Equity | 13.15% | |||