Vitals
  • Total Assets
    390.3M 4.6 %
  • Total Deposits
    351.9M 5.4 %
  • Total Net Loans
    186.1M 11.9 %
  • Net Income
    3.6M 12.3 %
  • Book Value
    34.9M -2.5 %
  • Book Value x2
    69.9M -2.5 %
  • Book Value x3
    104.8M -2.5 %
ROAA

.964

ROAE

9.792

Efficiency Ratio

60.464

Net Interest Margin

3.652

Balance Sheet Highlights
Financial Highlights First Southern State Bank All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 390,341 266,812
Total Net Loans 186,098 157,006
Total Deposits 351,926 227,200
Total Equity 34,928 30,855
Profitability
Net Income 3,622 2,603
Return on Average Assets .964 .91
Return on Average Equity 9.792 7.525
Net Interest Margin 3.652 3.872
Efficiency Ratio 60.464 69.238
Noninterest Income/Revenue 12.97 15.218
Balance Sheet Ratios
Loan-to-Deposit 52.88 65.031
Securities/Assets .366 .23
Total Equity/Total Assets .089 .116
Tangible Equity/Tangible Assets .089 .114
Capital Adequacy
Tier 1 Common Capital 36,155 30,655
Tier 1 Capital 36,155 30,655
Tier 2 Capital 2,473 1,864
Total Capital 38,628 32,526
Total Risk Weighted Assets 221,171 184,216
Leverage Ratio 9.44 11.829
Common Equity Tier 1 Capital Ratio 16.35 18.757
Tier 1 Capital Ratio 16.35 18.762
Total Capital Ratio 17.47 19.824

Timeline for First Southern State Bank

Farmers And Merchants Bank

Acquisition: First Southern State Bank acquired a new subsidiary, Farmers And Merchants Bank, 15 years

View Profile Dec 30 2008

First Bancshares Of Stevenson, Inc.

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

View Profile Jun 28 1991

First Southern State Bank

First Southern State Bank was established 113 years ago and is currently headquartered in Stevenson, AL.

Oct 01 1910
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Farmers And Merchants Bank Seller 71,500 Acquisition Discontinued 12/30/2008
Relationships Role Relationship Start Relationship End
First Bancshares Of Stevenson, Inc. Parent 6/28/1991
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