| Weiss Ratings |
First Southern Bank
Columbia, MS |
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| Rating | ||||
| Asset Quality Index | 6.50 | |||
| Capitalization Index | 9.80 | |||
| Liquidity Index | 3.90 | |||
| Profitability Index | 7.80 | |||
| Stability Index | 7.60 | |||
| 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 | 11.56% | |||
| 5-Year Asset Growth | 7.57% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | 0.08% | |||
| Non-Performing Assets to Assets | 0.72% | |||
| Non-Performing Loans to Capital | 3.00% | |||
| Non-Performing Loans to Loans | 1.29% | |||
| Balance Sheet |
First Southern Bank
Columbia, MS |
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| Total Assets | 284.77M | |||
| Total Deposits | 240.53M | |||
| Capital and Reserves |
First Southern Bank
Columbia, MS |
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| Capital | 29.80M | |||
| Leverage Ratio | 10.88 | |||
| Loan Loss Reserves to Loans | 1.35% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
First Southern Bank
Columbia, MS |
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| Hot Money Ratio | 9.81% | |||
| Liquidity Ratio | 30.53% | |||
| Profitability |
First Southern Bank
Columbia, MS |
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| 5-Year Return on Average Assets | 1.50% | |||
| Net Income | 3.99M | |||
| Net Interest Spread | 4.53% | |||
| Operating Profit to Average Assets | 1.82% | |||
| Overhead Efficiency Ratio | 62.55% | |||
| Return on Assets | 1.82% | |||
| Return on Equity | 19.32% | |||