| Weiss Ratings |
First Southern Bank
Florence, AL |
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| Rating | ||||
| Asset Quality Index | 0.30 | |||
| Capitalization Index | 6.90 | |||
| Liquidity Index | 2.80 | |||
| Profitability Index | 1.20 | |||
| Stability Index | 4.80 | |||
| Company Info |
First Southern Bank
Florence, AL |
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| FDIC Number | 29332 | |||
| Phone Number | (256) 718-4200 | |||
| Website | www.firstsouthern.com | |||
| Asset Quality |
First Southern Bank
Florence, AL |
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| 1-Year Asset Growth | 4.18% | |||
| 5-Year Asset Growth | 22.41% | |||
| 5-Year Charge-Offs to Average Loans | 0.46% | |||
| Charge-Offs to Average Loans | 4.61% | |||
| Non-Performing Assets to Assets | 7.59% | |||
| Non-Performing Loans to Capital | 70.34% | |||
| Non-Performing Loans to Loans | 11.01% | |||
| Balance Sheet |
First Southern Bank
Florence, AL |
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| Total Assets | 679.15M | |||
| Total Deposits | 577.09M | |||
| Capital and Reserves |
First Southern Bank
Florence, AL |
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| Capital | 59.69M | |||
| Leverage Ratio | 8.95 | |||
| Loan Loss Reserves to Loans | 2.66% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First Southern Bank
Florence, AL |
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| Hot Money Ratio | 12.99% | |||
| Liquidity Ratio | 15.92% | |||
| Profitability |
First Southern Bank
Florence, AL |
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| 5-Year Return on Average Assets | 1.05% | |||
| Net Income | -8.74M | |||
| Net Interest Spread | 3.22% | |||
| Operating Profit to Average Assets | -3.39% | |||
| Overhead Efficiency Ratio | 67.76% | |||
| Return on Assets | -2.53% | |||
| Return on Equity | -28.02% | |||