Vitals
  • Total Assets
    294.1M 3.0 %
  • Total Deposits
    261.6M 2.6 %
  • Total Net Loans
    218.0M 13.2 %
  • Net Income
    2.1M 14.1 %
  • Book Value
    29.2M -0.2 %
  • Book Value x2
    58.5M -0.2 %
  • Book Value x3
    87.7M -0.2 %
ROAA

.712

ROAE

6.98

Efficiency Ratio

76.207

Net Interest Margin

4.424

Balance Sheet Highlights
Financial Highlights Insouth Bank All Insured Commercial Banks in Tennessee
Balance Sheet $(000)
Total Assets 294,143 350,717
Total Net Loans 217,988 240,957
Total Deposits 261,636 296,573
Total Equity 29,243 37,152
Profitability
Net Income 2,065 3,593
Return on Average Assets .712 .956
Return on Average Equity 6.98 8.82
Net Interest Margin 4.424 4.036
Efficiency Ratio 76.207 69.386
Noninterest Income/Revenue 20.36 17.129
Balance Sheet Ratios
Loan-to-Deposit 83.317 77.925
Securities/Assets .155 .166
Total Equity/Total Assets .099 .106
Tangible Equity/Tangible Assets .099 .103
Capital Adequacy
Tier 1 Common Capital 26,832 35,983
Tier 1 Capital 26,832 36,157
Tier 2 Capital 1,693 2,649
Total Capital 28,525 38,803
Total Risk Weighted Assets 224,926 253,332
Leverage Ratio 9.2 10.564
Common Equity Tier 1 Capital Ratio 11.93 15.215
Tier 1 Capital Ratio 11.93 15.278
Total Capital Ratio 12.68 16.362

Timeline for Insouth Bank

Insouth Investments Inc

Acquisition: Insouth Bank acquired a new subsidiary, Insouth Investments Inc , 19 years

View Profile Nov 30 2004

Insouth Investments Inc

Insouth Investments Inc became a new subsidiary organization for Insouth Bank.

View Profile Oct 31 2003

Ab Properties, Inc

Ab Properties, Inc became a new subsidiary organization for Insouth Bank.

View Profile Apr 01 2003

1St Choice Mortgage Equity Corporation

1St Choice Mortgage Equity Corporation became a new subsidiary organization for Insouth Bank.

View Profile Jan 02 2000

Isi Holding Company Inc

Isi Holding Company Inc became a new subsidiary organization for Insouth Bank.

View Profile Oct 14 1999

Want to see more?

Complete timeline for Insouth Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Insouth Investments Inc Seller Pooling of Interests Discontinued 11/30/2004
Insouth Bank Of Covington Seller 124,772 Pooling of Interests Discontinued 1/20/1998
Insouth Bank Of Shelby County Seller 107,419 Pooling of Interests Discontinued 1/20/1998
Relationships Role Relationship Start Relationship End
Independent Southern Bancshares, Inc. Parent 5/7/1984
Insouth Life Insurance Company Subsidary 6/30/2007
Insouth Funding Inc Subsidary 6/30/2007 12/31/2013
Southern Financial Holdings Inc Subsidary 6/30/2007 12/31/2013
Airbank Inc Subsidary 6/30/2007 1/1/2012
Ab Properties, Inc Subsidary 6/30/2007 1/1/2012
Tbt/Hta Building Joint Venture, Inc. Subsidary 1/20/1998 5/23/2008
Insouth Life Insurance Company Subsidary 7/15/2001 6/29/2007
Airbank Inc Subsidary 1/20/1998 6/29/2007
Insouth Funding Inc Subsidary 8/1/1998 6/29/2007
Southern Financial Holdings Inc Subsidary 8/1/1998 6/29/2007
Ab Properties, Inc Subsidary 4/1/2003 6/29/2007
Insouth Investments Inc Subsidary 10/31/2003 11/29/2004
Isi Holding Company Inc Subsidary 10/14/1999 10/30/2003
1St Choice Mortgage Equity Corporation Subsidary 1/2/2000 2/28/2001
Southern Financial Of Tennessee Inc Subsidary 1/3/1989 7/31/1999
Southern Financial Mortgage Funding Inc Subsidary 1/1/1998 3/31/1999
Financial Data Services, Incorporated Subsidary 12/21/1984 12/31/1998
Insouth Life Insurance Company Subsidary 11/27/1991 10/31/1995
Southern Financial Fre, Llc Subsidary 12/31/1984 12/31/1991
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