Vitals
  • Total Assets
    243.4M -0.4 %
  • Total Deposits
    207.2M -5.8 %
  • Total Net Loans
    158.3M 1.9 %
  • Net Income
    1.2M -3.8 %
  • Book Value
    23.7M 4.1 %
  • Book Value x2
    47.5M 4.1 %
  • Book Value x3
    71.2M 4.1 %
ROAA

.977

ROAE

10.392

Efficiency Ratio

61.929

Net Interest Margin

4.038

Balance Sheet Highlights
Financial Highlights First Southern Bank All Insured Commercial Banks in Illinois
Balance Sheet $(000)
Total Assets 243,405 244,219
Total Net Loans 158,337 148,532
Total Deposits 207,165 208,197
Total Equity 23,727 25,247
Profitability
Net Income 1,186 1,008
Return on Average Assets .977 .792
Return on Average Equity 10.392 7.687
Net Interest Margin 4.038 3.443
Efficiency Ratio 61.929 70.075
Noninterest Income/Revenue 8.143 14.435
Balance Sheet Ratios
Loan-to-Deposit 76.43 65.533
Securities/Assets .262 .227
Total Equity/Total Assets .097 .103
Tangible Equity/Tangible Assets .095 .1
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 24,336 23,557
Tier 2 Capital 1,898 1,783
Total Capital 26,234 25,356
Total Risk Weighted Assets 161,312 165,188
Leverage Ratio 10.02 10.109
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 15.09 16.645
Total Capital Ratio 16.26 17.725

Timeline for First Southern Bank

First Southern Bank

First Southern Bank was acquired by First Southern Bank 9 years

View Profile Aug 16 2014

First Southern Bancshares, Inc

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

View Profile Jul 10 2002

Shawnee Bancshares, Inc.

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

View Profile Jan 01 1992

Downstate Bancshares, Inc.

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

View Profile Dec 09 1985

First Southern Bank

First Southern Bank was established 119 years ago and is currently headquartered in Carbondale, IL.

Jan 01 1905
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Southern Bank Buyer 680,374 Acquisition Discontinued 8/16/2014
Relationships Role Relationship Start Relationship End
First Southern Bancshares, Inc Parent 7/10/2002 8/15/2014
Shawnee Bancshares, Inc. Parent 1/1/1992 7/9/2002
Downstate Bancshares, Inc. Parent 12/9/1985 12/31/1991
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