| Weiss Ratings |
The Southern Bank Company
Gadsden, AL |
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| Rating | ||||
| Asset Quality Index | 6.20 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.80 | |||
| Profitability Index | 4.00 | |||
| Stability Index | 7.80 | |||
| Company Info |
The Southern Bank Company
Gadsden, AL |
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| FDIC Number | 29731 | |||
| Phone Number | (256) 543-3860 | |||
| Website | www.sobanco.com | |||
| Asset Quality |
The Southern Bank Company
Gadsden, AL |
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| 1-Year Asset Growth | 19.33% | |||
| 5-Year Asset Growth | 3.84% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 0.28% | |||
| Non-Performing Assets to Assets | 1.75% | |||
| Non-Performing Loans to Capital | 11.29% | |||
| Non-Performing Loans to Loans | 3.72% | |||
| Balance Sheet |
The Southern Bank Company
Gadsden, AL |
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| Total Assets | 128.21M | |||
| Total Deposits | 104.71M | |||
| Capital and Reserves |
The Southern Bank Company
Gadsden, AL |
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| Capital | 15.71M | |||
| Leverage Ratio | 14.58 | |||
| Loan Loss Reserves to Loans | 2.66% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
The Southern Bank Company
Gadsden, AL |
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| Hot Money Ratio | 39.02% | |||
| Liquidity Ratio | 43.21% | |||
| Profitability |
The Southern Bank Company
Gadsden, AL |
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| 5-Year Return on Average Assets | 1.26% | |||
| Net Income | 232.00K | |||
| Net Interest Spread | 7.14% | |||
| Operating Profit to Average Assets | 0.99% | |||
| Overhead Efficiency Ratio | 82.37% | |||
| Return on Assets | 0.73% | |||
| Return on Equity | 6.06% | |||