Vitals
  • Total Assets
    219.5M 0.3 %
  • Total Deposits
    178.9M -0.3 %
  • Total Net Loans
    117.7M 4.5 %
  • Net Income
    2.0M 31.1 %
  • Book Value
    22.7M 4.2 %
  • Book Value x2
    45.4M 4.2 %
  • Book Value x3
    68.2M 4.2 %
ROAA

.943

ROAE

8.81

Efficiency Ratio

60.506

Net Interest Margin

3.364

Balance Sheet Highlights
Financial Highlights Southern Independent Bank All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 219,464 266,812
Total Net Loans 117,732 157,006
Total Deposits 178,887 227,200
Total Equity 22,720 30,855
Profitability
Net Income 2,022 2,603
Return on Average Assets .943 .91
Return on Average Equity 8.81 7.525
Net Interest Margin 3.364 3.872
Efficiency Ratio 60.506 69.238
Noninterest Income/Revenue 10.505 15.218
Balance Sheet Ratios
Loan-to-Deposit 65.814 65.031
Securities/Assets .319 .23
Total Equity/Total Assets .104 .116
Tangible Equity/Tangible Assets .104 .114
Capital Adequacy
Tier 1 Common Capital 24,113 30,655
Tier 1 Capital 24,113 30,655
Tier 2 Capital 1,450 1,864
Total Capital 25,563 32,526
Total Risk Weighted Assets 140,556 184,216
Leverage Ratio 11.09 11.829
Common Equity Tier 1 Capital Ratio 17.16 18.757
Tier 1 Capital Ratio 17.16 18.762
Total Capital Ratio 18.19 19.824

Timeline for Southern Independent Bank

Southern Independent Bancshares, Inc.

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

View Profile Sep 01 2011

Southern Independent Bank

Southern Independent Bank was established 17 years ago and is currently headquartered in Opp, AL.

Dec 04 2006
Relationships Role Relationship Start Relationship End
Southern Independent Bancshares, Inc. Parent 9/1/2011
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