First Southern Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

First Southern Bank is a commercial bank, state charter and Fed nonmember, supervised by the FDIC. The bank was established in 1907. The bank continued vision is to deliver quality financial products and services to individuals and businesses within an increasing service area in a friendly and professional manner, while remaining a profitable and independent community bank. First Southern Bank wants to bring the best in banking to the people of Wayne, Pierce, and Ware Counties.

Jesup Office
927 South First Street
P.O. Box 250
Jesup, GA 31598
Phone: (912) 588-1010
Fax: (912) 588-1021

Patterson Office
6365 Highway 84
P.O. Drawer 15
Patterson, GA 31557
Phone: (912) 647-5332
Fax: (912) 647-5335

Waycross Office
930 Memorial Drive
Waycross, GA 31501
Phone: (912) 490-1010
Fax: (912) 490-1456