| 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 | 4.70 | |||
| Stability Index | 7.10 | |||
| 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 | 3.60% | |||
| 5-Year Asset Growth | 6.45% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | 0.03% | |||
| Non-Performing Assets to Assets | 0.06% | |||
| Non-Performing Loans to Capital | 0.36% | |||
| Non-Performing Loans to Loans | 0.14% | |||
| Balance Sheet |
Southern Independent Bank
Opp, AL |
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| Total Assets | 395.28M | |||
| Total Deposits | 336.48M | |||
| Capital and Reserves |
Southern Independent Bank
Opp, AL |
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| Capital | 45.25M | |||
| Leverage Ratio | 13.63 | |||
| Loan Loss Reserves to Loans | 1.14% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Southern Independent Bank
Opp, AL |
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| Hot Money Ratio | 38.71% | |||
| Liquidity Ratio | 45.74% | |||
| Profitability |
Southern Independent Bank
Opp, AL |
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| 5-Year Return on Average Assets | 1.20% | |||
| Net Income | 2.21M | |||
| Net Interest Spread | 3.13% | |||
| Operating Profit to Average Assets | 1.36% | |||
| Overhead Efficiency Ratio | 58.35% | |||
| Return on Assets | 1.11% | |||
| Return on Equity | 9.95% | |||