| Weiss Ratings |
First Southern Bank
Columbia, MS |
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| Rating | ||||
| Asset Quality Index | 8.10 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 4.00 | |||
| Profitability Index | 7.80 | |||
| Stability Index | 7.90 | |||
| Company Info |
First Southern Bank
Columbia, MS |
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| FDIC Number | 31158 | |||
| Phone Number | (601) 736-6378 | |||
| Website | www.fsb-ms.com | |||
| Asset Quality |
First Southern Bank
Columbia, MS |
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| 1-Year Asset Growth | 9.23% | |||
| 5-Year Asset Growth | 6.20% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | 0.07% | |||
| Non-Performing Assets to Assets | 0.35% | |||
| Non-Performing Loans to Capital | 1.56% | |||
| Non-Performing Loans to Loans | 0.61% | |||
| Balance Sheet |
First Southern Bank
Columbia, MS |
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| Total Assets | 294.78M | |||
| Total Deposits | 249.82M | |||
| Capital and Reserves |
First Southern Bank
Columbia, MS |
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| Capital | 30.59M | |||
| Leverage Ratio | 11.17 | |||
| Loan Loss Reserves to Loans | 1.32% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First Southern Bank
Columbia, MS |
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| Hot Money Ratio | 8.80% | |||
| Liquidity Ratio | 32.27% | |||
| Profitability |
First Southern Bank
Columbia, MS |
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| 5-Year Return on Average Assets | 1.50% | |||
| Net Income | 5.34M | |||
| Net Interest Spread | 4.56% | |||
| Operating Profit to Average Assets | 1.83% | |||
| Overhead Efficiency Ratio | 62.83% | |||
| Return on Assets | 1.83% | |||
| Return on Equity | 18.93% | |||