| Weiss Ratings |
First Southern Bank
Florence, AL |
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| Rating | ||||
| Asset Quality Index | 1.00 | |||
| Capitalization Index | 8.50 | |||
| Liquidity Index | 2.70 | |||
| Profitability Index | 0.50 | |||
| 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 | 7.81% | |||
| 5-Year Asset Growth | 22.41% | |||
| 5-Year Charge-Offs to Average Loans | 0.12% | |||
| Charge-Offs to Average Loans | 1.69% | |||
| Non-Performing Assets to Assets | 4.43% | |||
| Non-Performing Loans to Capital | 40.23% | |||
| Non-Performing Loans to Loans | 6.31% | |||
| Balance Sheet |
First Southern Bank
Florence, AL |
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| Total Assets | 732.16M | |||
| Total Deposits | 621.20M | |||
| Capital and Reserves |
First Southern Bank
Florence, AL |
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| Capital | 68.50M | |||
| Leverage Ratio | 9.97 | |||
| Loan Loss Reserves to Loans | 1.59% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First Southern Bank
Florence, AL |
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| Hot Money Ratio | 19.64% | |||
| Liquidity Ratio | 22.80% | |||
| Profitability |
First Southern Bank
Florence, AL |
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| 5-Year Return on Average Assets | 1.29% | |||
| Net Income | 97.00K | |||
| Net Interest Spread | 3.64% | |||
| Operating Profit to Average Assets | 0.00% | |||
| Overhead Efficiency Ratio | 59.20% | |||
| Return on Assets | 0.01% | |||
| Return on Equity | 0.14% | |||