| Weiss Ratings |
First Southern Bank
Florence, AL |
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| Rating | ||||
| Asset Quality Index | 0.80 | |||
| Capitalization Index | 9.00 | |||
| Liquidity Index | 1.10 | |||
| Profitability Index | 1.40 | |||
| Stability Index | 6.80 | |||
| 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 | 3.72% | |||
| 5-Year Asset Growth | 29.09% | |||
| 5-Year Charge-Offs to Average Loans | 0.12% | |||
| Charge-Offs to Average Loans | 2.01% | |||
| Non-Performing Assets to Assets | 5.48% | |||
| Non-Performing Loans to Capital | 45.59% | |||
| Non-Performing Loans to Loans | 6.78% | |||
| Balance Sheet |
First Southern Bank
Florence, AL |
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| Total Assets | 651.88M | |||
| Total Deposits | 542.44M | |||
| Capital and Reserves |
First Southern Bank
Florence, AL |
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| Capital | 66.72M | |||
| Leverage Ratio | 10.31 | |||
| Loan Loss Reserves to Loans | 1.06% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First Southern Bank
Florence, AL |
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| Hot Money Ratio | 22.72% | |||
| Liquidity Ratio | 16.11% | |||
| Profitability |
First Southern Bank
Florence, AL |
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| 5-Year Return on Average Assets | 1.29% | |||
| Net Income | 173.00K | |||
| Net Interest Spread | 3.55% | |||
| Operating Profit to Average Assets | 0.06% | |||
| Overhead Efficiency Ratio | 63.31% | |||
| Return on Assets | 0.05% | |||
| Return on Equity | 0.52% | |||