| Weiss Ratings |
The Southern Bank Company
Gadsden, AL |
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| Rating | ||||
| Asset Quality Index | 6.10 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.30 | |||
| Profitability Index | 6.50 | |||
| Stability Index | 7.10 | |||
| 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 | 6.46% | |||
| 5-Year Asset Growth | 3.07% | |||
| 5-Year Charge-Offs to Average Loans | 0.25% | |||
| Charge-Offs to Average Loans | -0.69% | |||
| Non-Performing Assets to Assets | 0.97% | |||
| Non-Performing Loans to Capital | 5.94% | |||
| Non-Performing Loans to Loans | 1.89% | |||
| Balance Sheet |
The Southern Bank Company
Gadsden, AL |
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| Total Assets | 133.10M | |||
| Total Deposits | 104.78M | |||
| Capital and Reserves |
The Southern Bank Company
Gadsden, AL |
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| Capital | 17.87M | |||
| Leverage Ratio | 15.05 | |||
| Loan Loss Reserves to Loans | 2.52% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
The Southern Bank Company
Gadsden, AL |
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| Hot Money Ratio | 42.59% | |||
| Liquidity Ratio | 38.58% | |||
| Profitability |
The Southern Bank Company
Gadsden, AL |
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| 5-Year Return on Average Assets | 1.35% | |||
| Net Income | 859.00K | |||
| Net Interest Spread | 8.20% | |||
| Operating Profit to Average Assets | 1.74% | |||
| Overhead Efficiency Ratio | 72.15% | |||
| Return on Assets | 1.30% | |||
| Return on Equity | 9.80% | |||