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Profile - First Southern Bancshares (NasdaqNM:FSTH)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | SEC | Msgs | Insider
Location
102 South Court Street
Florence, AL 35630
Phone: (256) 764-7131
Fax: (256) 718-4214
Employees (last reported count): 60
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Related Links
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Ownership
·Insider and 5%+ Owners: 36%
·Over the last 6 months:
 · 3 insider buys; 10.0K shares (2.2% of insider shares)
 · 4 insider sells; 17.0K shares
  (3.7% of insider shares)
·Institutional: 0% (0% of float)
(5 institutions)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
First Southern Bancshares, Inc. is the holding company for First Southern Bank, a state-chartered commercial bank. The Bank conducts its business through six office facilities located in Lauderdale and Colbert Counties in northwestern Alabama, which the Bank considers as its primary market area. The Bank's primary lending activity is the origination of mortgage loans for the purchase and re-finance of one- to four-family owner-occupied residences. The Bank also actively originates commercial loans, construction loans, consumer loans, and multi-family residential real estate loans, principally in the Bank's primary market area, as part of its commercial banking strategy. At December 31, 2000, the Company had total assets of $167.4 million and total deposits of $131.2 million.
More from Market Guide: Expanded Business Description

Financial Summary
FSTH is a bank holding company for First Southern Bank, a state chartered bank with six offices in northwestern Alabama. For the six months ended 6/30/01, total interest income fell 17% to $6 million. Net interest loss after loan loss provision totaled $504 thousand vs. an income of $2 million. Net loss totaled $1.8 million, up from $38 thousand. Results reflect lower average loan balances, a higher provision for loan losses and increased losses on real estate and other assets.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]

Position
J. Acker Rogers, 54Chairman
Robert Redd, 54Pres, CEO
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqNM:FSTHAs of 31-Aug-2001
Price and Volume
52-Week Low
on 10-Jan-2001
$4.125
Recent Price$5.50 
52-Week High
on 6-Mar-2001
$8.50 
Beta-0.14 
Daily Volume (3-month avg)364 
Daily Volume (10-day avg)0 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change-31.2%
52-Week Change
relative to S&P500
-7.8%
Share-Related Items
Market Capitalization$6.91M
Shares Outstanding1.26M
Float800.0K
Dividends & Splits
Annual Dividend (indicated)$0.48 
Dividend Yield8.73%
Last Splitnone 
Per-Share Data
Book Value (mrq)$5.98 
Earnings (ttm)-$4.47 
Earnings (mrq)-$1.14 
Sales (ttm)$10.31 
Cash (mrq)$13.63 
Valuation Ratios
Price/Book (mrq)0.92 
Price/EarningsN/A 
Price/Sales (ttm)0.53 
Income Statements
Sales (ttm)$13.0M
EBITDAN/A 
Income available to common (ttm)-$5.63M
Profitability
Profit Margin (ttm)-43.3%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)-3.47%
Return on Equity (ttm)-55.19%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$17.1M
Short Interest
As of 8-Aug-2001
Shares Short0 
Shares Short
(Prior Month)
0 
Daily Volume1,000 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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