| Weiss Ratings |
Southern Independent Bank
Opp, AL |
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| Rating | ||||
| Asset Quality Index | 9.10 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 4.00 | |||
| Profitability Index | 6.30 | |||
| Stability Index | 6.50 | |||
| Company Info |
Southern Independent Bank
Opp, AL |
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| FDIC Number | 58357 | |||
| Phone Number | (334) 493-2265 | |||
| Website | www.southernindependentbank.com | |||
| Asset Quality |
Southern Independent Bank
Opp, AL |
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| 1-Year Asset Growth | 5.20% | |||
| 5-Year Asset Growth | 9.87% | |||
| 5-Year Charge-Offs to Average Loans | 0.05% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.06% | |||
| Non-Performing Loans to Capital | 0.22% | |||
| Non-Performing Loans to Loans | 0.13% | |||
| Balance Sheet |
Southern Independent Bank
Opp, AL |
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| Total Assets | 386.67M | |||
| Total Deposits | 330.76M | |||
| Capital and Reserves |
Southern Independent Bank
Opp, AL |
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| Capital | 42.35M | |||
| Leverage Ratio | 13.40 | |||
| Loan Loss Reserves to Loans | 1.14% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Southern Independent Bank
Opp, AL |
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| Hot Money Ratio | 42.07% | |||
| Liquidity Ratio | 46.74% | |||
| Profitability |
Southern Independent Bank
Opp, AL |
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| 5-Year Return on Average Assets | 1.19% | |||
| Net Income | 3.35M | |||
| Net Interest Spread | 2.97% | |||
| Operating Profit to Average Assets | 1.58% | |||
| Overhead Efficiency Ratio | 52.82% | |||
| Return on Assets | 1.18% | |||
| Return on Equity | 10.87% | |||