First Southern State Bank

Overview / Commentary

www.fssbank.com

256-437-2171

80 Bank Street
Stevenson, AL 35772

First Southern State Bank is headquartered in Stevenson and is the 26^th largest bank in the state of Alabama. It is also the 1,793^rd largest bank in the nation. It was established in 1910 and as of December of 2018, it had grown to 91 employees at 8 locations. First Southern State Bank's CD rates are 2X the national average, and it has an A health rating.

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Health

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	2829
Year Established	1910
Employees	91
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.32%
Return on Equity - YTD	13.99%
Annual Interest Income	$16.0MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$391.4MM$380.8MM
Loans	Q4 2018vs Q4 2017	$224.7MM$201.8MM
Deposits	Q4 2018vs Q4 2017	$351.5MM$340.6MM
Equity Capital	Q4 2018vs Q4 2017	$36.6MM$36.8MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$3.1MM$2.7MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$475.00K$216.00K
Real Estate Owned	Q4 2018vs Q4 2017	$175.00K$150.00K

Rates

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First Southern State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.59%	$500	-	15 Month CD
2.27%	$500	-	60 Month CD
2.02%	$500	-	12 Month CD
1.76%	$500	-	36 Month CD
1.56%	$500	-	6 Month CD
1.51%	$500	-	48 Month CD
0.85%	$500	-	24 Month CD
0.80%	$1k	-	13 Month CD
0.65%	$500	-	18 Month CD

First Southern State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.59%	$500	-	15 Month IRA
2.28%	$500	-	60 Month IRA
2.02%	$500	-	12 Month IRA
1.26%	$500	-	30 Month IRA
0.85%	$500	-	24 Month IRA
0.65%	$500	-	18 Month IRA

Locations

First Southern State Bank Locations
Fort Payne Branch	1820 Glen Boulevard	Fort Payne, AL 35967
Scottsboro Branch	20 Micah Way	Scottsboro, AL 35769
West Main Street Branch	201 West Main Street	Centre, AL 35960
Fort Payne Branch	2128 Gault Ave N	Fort Payne, AL 35967
Rainsville Branch	403 Main Street West	Rainsville, AL 35986
First Southern State Bank	80 Bank Street	Stevenson, AL 35772
Leesburg Branch	200 Industrial Boulevard	Leesburg, AL 35983
Higdon Office	Highway 71, PO Box 68	Higdon, AL 35979

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