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This institution is no longer active

Operations ceased on August 18, 2014. CRA examination history below reflects the period it was active.

FIRST SOUTHERN BANK

CARBONDALE, IL · Supervised by FDIC

Est. 1905FDIC #3,796RSSD: FDIC-3796
Part ofFIRST SOUTHERN BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2014

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.97%

Institution Profile

FDIC BankFind

Address

301 East Main Street, CARBONDALE, IL

County

Jackson County

Established

January 1, 1905

Total Assets

$243M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2014

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 12 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2014Call Report / FDIC

Total Assets

$243M

Total Deposits

$207M

Net Loans

$158M

Net Income

$1M

ROA

0.97%

ROE

10.39%

Risk-Based Capital

16.26%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2003

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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