| Weiss Ratings |
Southern Independent Bank
Opp, AL |
Click to Compare |
Click to Compare |
Click to Compare |
| Rating | ||||
| Asset Quality Index | 9.10 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 4.10 | |||
| Profitability Index | 5.60 | |||
| Stability Index | 6.60 | |||
| Company Info |
Southern Independent Bank
Opp, AL |
Click to Compare |
Click to Compare |
Click to Compare |
| FDIC Number | 58357 | |||
| Phone Number | (334) 493-2265 | |||
| Website | www.southernindependentbank.com | |||
| Asset Quality |
Southern Independent Bank
Opp, AL |
Click to Compare |
Click to Compare |
Click to Compare |
| 1-Year Asset Growth | 4.84% | |||
| 5-Year Asset Growth | 6.45% | |||
| 5-Year Charge-Offs to Average Loans | 0.05% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.05% | |||
| Non-Performing Loans to Capital | 0.30% | |||
| Non-Performing Loans to Loans | 0.12% | |||
| Balance Sheet |
Southern Independent Bank
Opp, AL |
Click to Compare |
Click to Compare |
Click to Compare |
| Total Assets | 395.63M | |||
| Total Deposits | 337.77M | |||
| Capital and Reserves |
Southern Independent Bank
Opp, AL |
Click to Compare |
Click to Compare |
Click to Compare |
| Capital | 43.83M | |||
| Leverage Ratio | 13.34 | |||
| Loan Loss Reserves to Loans | 1.13% | |||
| Risk-Based Capital Ratio | 22.45 | |||
| Liquidity |
Southern Independent Bank
Opp, AL |
Click to Compare |
Click to Compare |
Click to Compare |
| Hot Money Ratio | 40.67% | |||
| Liquidity Ratio | 47.04% | |||
| Profitability |
Southern Independent Bank
Opp, AL |
Click to Compare |
Click to Compare |
Click to Compare |
| 5-Year Return on Average Assets | 1.19% | |||
| Net Income | 4.11M | |||
| Net Interest Spread | 3.04% | |||
| Operating Profit to Average Assets | 1.39% | |||
| Overhead Efficiency Ratio | 58.16% | |||
| Return on Assets | 1.07% | |||
| Return on Equity | 9.88% | |||