Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) and a capital leverage ratio of 9.0. Weak liquidity 2.8, driven by a liquidity ratio of 15.9 percent and a “hot money” ratio of 13.0 percent.
Asset Mix:
Securities (17%), comm re (15%), cash (13%), home mtgs (12%), comm loans (9%), home eq lns (3%), consumer loans (0%), other (31%)
States with Branches:
AL, AR, FL, MS
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
First Southern Bancshares, Inc.
Investment Rating
--
Address
201 South Court Street
Florence, AL 35630
Florence, AL 35630
Phone Number
(256) 718-4200
Year Founded
1935
FDIC Number
Website
Largest Affiliates
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