Vitals
  • Total Assets
    210.7M 1.4 %
  • Total Deposits
    191.4M 2.6 %
  • Total Net Loans
    159.2M 0.5 %
  • Net Income
    1.6M -0.6 %
  • Book Value
    19.0M -0.4 %
  • Book Value x2
    37.9M -0.4 %
  • Book Value x3
    56.9M -0.4 %
ROAA

.745

ROAE

8.184

Efficiency Ratio

70.953

Net Interest Margin

3.814

Balance Sheet Highlights
Financial Highlights First Southern Bank All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 210,698 266,812
Total Net Loans 159,184 157,006
Total Deposits 191,358 227,200
Total Equity 18,966 30,855
Profitability
Net Income 1,582 2,603
Return on Average Assets .745 .91
Return on Average Equity 8.184 7.525
Net Interest Margin 3.814 3.872
Efficiency Ratio 70.953 69.238
Noninterest Income/Revenue 14.4 15.218
Balance Sheet Ratios
Loan-to-Deposit 83.187 65.031
Securities/Assets .127 .23
Total Equity/Total Assets .09 .116
Tangible Equity/Tangible Assets .09 .114
Capital Adequacy
Tier 1 Common Capital 19,258 30,655
Tier 1 Capital 19,258 30,655
Tier 2 Capital 1,885 1,864
Total Capital 21,143 32,526
Total Risk Weighted Assets 150,293 184,216
Leverage Ratio 9.07 11.829
Common Equity Tier 1 Capital Ratio 12.81 18.757
Tier 1 Capital Ratio 12.81 18.762
Total Capital Ratio 14.07 19.824

Timeline for First Southern Bank

First Southern Bancshares, Inc.

First Southern Bancshares, Inc. became a new parent organization for First Southern Bank.

View Profile Jun 10 1995

First Southern Bank

First Southern Bank was established 90 years ago and is currently headquartered in Florence, AL.

Jan 01 1934
Relationships Role Relationship Start Relationship End
First Southern Bancshares, Inc. Parent 6/10/1995
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