First Southern Bank (AL)

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LOCATIONS

60 Month IRA (Traditional, Roth)

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Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.28%	5-year CD	60 Month CD 1.85% - Synchrony Bank 60 Month CD
0.31%	1-year CD	12 Month CD 1.05% - Ally Bank High Yield 12-Month CD
0.15%	Savings	Personal Savings Account 1.00% - Ally Bank Online Savings Account

View all First Southern Bank (AL) rates »

Overview / Commentary

www.firstsouthern.com

800-625-7131

301 South Court Street
Florence, AL 35630

First Southern Bank (AL) is headquartered in Florence and is the 53^rd largest bank in the state of Alabama. It is also the 2,839^th largest bank in the nation. It was established in 1934 and as of June of 2016, it had grown to 62 employees at 5 locations. First Southern Bank (AL) has an A health rating.

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Health

A

Data as of Q2 2016

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Health Grade Components

Overall
FDIC Certificate #	29332
Year Established	1934
Employees	62
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.73%
Return on Equity - YTD	7.96%
Annual Interest Income	$4.3MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$214.6MM$207.2MM
Loans	Q2 2016vs Q2 2015	$159.8MM$155.3MM
Deposits	Q2 2016vs Q2 2015	$193.1MM$185.6MM
Equity Capital	Q2 2016vs Q2 2015	$20.1MM$19.3MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$2.4MM$2.2MM
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$991.00K$236.00K
Real Estate Owned	Q2 2016vs Q2 2015	$312.00K$523.00K

Rates

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First Southern Bank (AL) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$25	-	Personal Savings Account
0.15%	$25	-	Non-Personal Savings Account

First Southern Bank (AL) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%^*	$500k^*	-	Money Market
OTHER TIERS: 0.15% → $500 - $50k \| 0.20% → $50k - $100k \| 0.25% → $100k - $250k

First Southern Bank (AL) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$2,500^*	-	Southern Advantage Checking
OTHER TIERS: 0.10% → Up to $2,500
0.10%	-	-	50+ Free Interest Checking
0.10%	-	-	VIP Free Interest Checking
0.10%^*	$2,500^*	-	Business CHKG with Interest
OTHER TIERS: 0.05% → Up to $2,500
0.05%	-	-	IOLTA Checking

First Southern Bank (AL) CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.28%	$1k	-	60 Month CD
1.12%	$1k	-	48 Month CD
0.95%	$1k	-	36 Month CD
0.67%	$1k	-	24 Month CD
0.48%	$1k	-	18 Month CD
0.31%	$1k	-	12 Month CD
0.20%	$1k	-	182 Day CD
0.10%	$1k	-	91 Day CD

First Southern Bank (AL) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.29%	$100	-	60 Month IRA
1.12%	$100	-	48 Month IRA
0.95%	$100	-	36 Month IRA
0.67%	$100	-	24 Month IRA
0.31%	$100	-	12 Month IRA

Locations

First Southern Bank (AL) Locations
Muscle Shoals Branch	1027 Avalon Avenue	Muscle Shoals, AL 35661
Killen Branch	1455 Highway 72	Killen, AL 35645
First Southern Bank	301 South Court Street	Florence, AL 35630
St. Florian Branch	4350 County Road 47	Florence, AL 35630
Ford City Branch	5145 River Road	Muscle Shoals, AL 35661