Vitals
  • Total Assets
    855.3M 2.4 %
  • Total Deposits
    759.0M 3.0 %
  • Total Net Loans
    540.0M 5.1 %
  • Net Income
    7.2M 9.0 %
  • Book Value
    85.2M 1.5 %
  • Book Value x2
    170.5M 1.5 %
  • Book Value x3
    255.7M 1.5 %
ROAA

.846

ROAE

8.387

Efficiency Ratio

68.492

Net Interest Margin

4.027

Balance Sheet Highlights
Financial Highlights First Southern National Bank All Insured Commercial Banks in Kentucky
Balance Sheet $(000)
Total Assets 855,307 275,102
Total Net Loans 539,960 177,820
Total Deposits 758,968 227,063
Total Equity 85,244 30,287
Profitability
Net Income 7,200 2,592
Return on Average Assets .846 .944
Return on Average Equity 8.387 8.074
Net Interest Margin 4.027 3.847
Efficiency Ratio 68.492 70.925
Noninterest Income/Revenue 15.692 17.219
Balance Sheet Ratios
Loan-to-Deposit 71.144 76.952
Securities/Assets .226 .219
Total Equity/Total Assets .1 .11
Tangible Equity/Tangible Assets .081 .107
Capital Adequacy
Tier 1 Common Capital 70,829 29,354
Tier 1 Capital 70,829 29,354
Tier 2 Capital 6,437 2,092
Total Capital 77,266 31,454
Total Risk Weighted Assets 521,237 190,479
Leverage Ratio 8.41 11.285
Common Equity Tier 1 Capital Ratio 13.59 17.115
Tier 1 Capital Ratio 13.59 17.115
Total Capital Ratio 14.82 18.174

Timeline for First Southern National Bank

First National Bank Of Muhlenberg County, Kentucky

Acquisition: First Southern National Bank acquired a new subsidiary, First National Bank Of Muhlenberg County, Kentucky, 8 years

View Profile Jul 25 2015

South Central Bancshares, Inc.

Acquisition: First Southern National Bank acquired a new subsidiary, South Central Bancshares, Inc. , 18 years

View Profile Jul 01 2005

First Bank And Trust Co. Of Princeton, Kentucky

Acquisition: First Southern National Bank acquired a new subsidiary, First Bank And Trust Co. Of Princeton, Kentucky, 18 years

View Profile Jul 01 2005

The Citizens National Bank Of Russellville

Acquisition: First Southern National Bank acquired a new subsidiary, The Citizens National Bank Of Russellville, 18 years

View Profile Jul 01 2005

Citizens State Bank Of Ballard County

Acquisition: First Southern National Bank acquired a new subsidiary, Citizens State Bank Of Ballard County, 18 years

View Profile Jul 01 2005

Want to see more?

Complete timeline for First Southern National Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First National Bank Of Muhlenberg County, Kentucky Seller 145,879 Pooling of Interests Discontinued 7/25/2015
South Central Bancshares, Inc. Seller Pooling of Interests Discontinued 7/1/2005
First Bank And Trust Co. Of Princeton, Kentucky Seller 84,228 Pooling of Interests Discontinued 7/1/2005
The Citizens National Bank Of Russellville Seller 163,000 Pooling of Interests Discontinued 7/1/2005
Citizens State Bank Of Ballard County Seller 54,378 Pooling of Interests Discontinued 7/1/2005
First Southern National Bank Seller 143,737 Pooling of Interests Discontinued 12/18/1998
First Southern National Bank Of Wayne County Seller 49,852 Pooling of Interests Discontinued 12/18/1998
First Southern National Bank Of Madison County Seller 24,363 Pooling of Interests Discontinued 12/18/1998
First Southern National Bank Of The Bluegrass Seller 57,207 Pooling of Interests Discontinued 12/18/1998
Paint Lick Office Seller Discontinued 1/1/1992
Relationships Role Relationship Start Relationship End
First Southern Bancorp, Inc. Parent 1/3/1989
Nabanco, Inc. Parent 11/30/1983 1/2/1989
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