Vitals
  • Total Assets
    80.5M 2.3 %
  • Total Deposits
    71.1M 2.1 %
  • Total Net Loans
    49.6M -3.2 %
  • Net Income
    468000.0000 -8.8 %
  • Book Value
    9.2M 2.9 %
  • Book Value x2
    18.4M 2.9 %
  • Book Value x3
    27.6M 2.9 %
ROAA

.596

ROAE

5.169

Efficiency Ratio

76.314

Net Interest Margin

5.213

Balance Sheet Highlights
Financial Highlights Southern Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 80,539 256,123
Total Net Loans 49,563 160,108
Total Deposits 71,061 221,413
Total Equity 9,187 27,434
Profitability
Net Income 468 2,812
Return on Average Assets .596 .99
Return on Average Equity 5.169 8.811
Net Interest Margin 5.213 4.031
Efficiency Ratio 76.314 72.067
Noninterest Income/Revenue 5.538 19.316
Balance Sheet Ratios
Loan-to-Deposit 69.747 70.662
Securities/Assets .2 .165
Total Equity/Total Assets .114 .107
Tangible Equity/Tangible Assets .114 .105
Capital Adequacy
Tier 1 Common Capital 9,187 26,376
Tier 1 Capital 9,187 26,452
Tier 2 Capital 551 1,919
Total Capital 9,738 28,453
Total Risk Weighted Assets 56,009 174,280
Leverage Ratio 11.61 10.62
Common Equity Tier 1 Capital Ratio 16.4 16.191
Tier 1 Capital Ratio 16.4 16.286
Total Capital Ratio 17.39 17.433

Timeline for Southern Bank

Bank Insurance Agency, Inc.

Bank Insurance Agency, Inc. became a new subsidiary organization for Southern Bank.

View Profile Oct 21 1999

Sardis Bankshares, Inc.

Sardis Bankshares, Inc. became a new parent organization for Southern Bank.

View Profile Dec 31 1986

Southern Bank

Southern Bank was established 78 years ago and is currently headquartered in Sardis, GA.

Jul 02 1945
Relationships Role Relationship Start Relationship End
Sardis Bankshares, Inc. Parent 12/31/1986
Bank Insurance Agency, Inc. Subsidary 6/30/2007 3/15/2011
Bank Insurance Agency, Inc. Subsidary 10/21/1999 6/29/2007
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