Vitals
  • Total Assets
    172.1M 3.4 %
  • Total Deposits
    148.5M 3.9 %
  • Total Net Loans
    54.9M 7.4 %
  • Net Income
    1.3M 10.8 %
  • Book Value
    23.4M 0.7 %
  • Book Value x2
    46.7M 0.7 %
  • Book Value x3
    70.1M 0.7 %
ROAA

1.054

ROAE

7.742

Efficiency Ratio

65.593

Net Interest Margin

2.966

Balance Sheet Highlights
Financial Highlights Peoples Southern Bank All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 172,138 262,366
Total Net Loans 54,927 153,206
Total Deposits 148,512 221,747
Total Equity 23,357 31,740
Profitability
Net Income 1,346 1,948
Return on Average Assets 1.054 .919
Return on Average Equity 7.742 7.567
Net Interest Margin 2.966 3.875
Efficiency Ratio 65.593 69.018
Noninterest Income/Revenue 23.323 15.504
Balance Sheet Ratios
Loan-to-Deposit 36.985 65.063
Securities/Assets .545 .233
Total Equity/Total Assets .136 .121
Tangible Equity/Tangible Assets .136 .119
Capital Adequacy
Tier 1 Common Capital 22,317 30,064
Tier 1 Capital 22,317 30,064
Tier 2 Capital 1,005 1,856
Total Capital 23,322 31,916
Total Risk Weighted Assets 80,278 178,436
Leverage Ratio 12.98 11.795
Common Equity Tier 1 Capital Ratio 27.8 18.994
Tier 1 Capital Ratio 27.8 18.999
Total Capital Ratio 29.05 20.08

Timeline for Peoples Southern Bank

Psb Bancshares, Inc.

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

View Profile Jan 25 1989

Peoples Southern Bank

Peoples Southern Bank was established 123 years ago and is currently headquartered in Clanton, AL.

Jan 01 1901
Relationships Role Relationship Start Relationship End
Psb Bancshares, Inc. Parent 9/18/1990
Psb Bancshares, Inc. Parent 1/9/1990 9/17/1990
Psb Bancshares, Inc. Parent 1/25/1989 1/8/1990
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