| Weiss Ratings |
The Southern Bank Company
Gadsden, AL |
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| Rating | ||||
| Asset Quality Index | 6.40 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.90 | |||
| Profitability Index | 2.60 | |||
| 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 | 12.16% | |||
| 5-Year Asset Growth | 3.84% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 1.84% | |||
| Non-Performing Assets to Assets | 1.53% | |||
| Non-Performing Loans to Capital | 9.74% | |||
| Non-Performing Loans to Loans | 3.47% | |||
| Balance Sheet |
The Southern Bank Company
Gadsden, AL |
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| Total Assets | 128.24M | |||
| Total Deposits | 103.60M | |||
| Capital and Reserves |
The Southern Bank Company
Gadsden, AL |
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| Capital | 16.63M | |||
| Leverage Ratio | 14.62 | |||
| Loan Loss Reserves to Loans | 2.01% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
The Southern Bank Company
Gadsden, AL |
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| Hot Money Ratio | 42.32% | |||
| Liquidity Ratio | 43.86% | |||
| Profitability |
The Southern Bank Company
Gadsden, AL |
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| 5-Year Return on Average Assets | 1.26% | |||
| Net Income | 564.00K | |||
| Net Interest Spread | 7.14% | |||
| Operating Profit to Average Assets | 0.76% | |||
| Overhead Efficiency Ratio | 83.92% | |||
| Return on Assets | 0.58% | |||
| Return on Equity | 4.73% | |||