| Weiss Ratings |
Cullman Savings Bank
Cullman, AL |
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| Rating | ||||
| Asset Quality Index | 8.70 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 0.10 | |||
| Profitability Index | 4.00 | |||
| Stability Index | 3.70 | |||
| Company Info |
Cullman Savings Bank
Cullman, AL |
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| FDIC Number | 30167 | |||
| Phone Number | (256) 734-1740 | |||
| Website | www.cullmansavingsbank.com | |||
| Asset Quality |
Cullman Savings Bank
Cullman, AL |
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| 1-Year Asset Growth | 2.53% | |||
| 5-Year Asset Growth | 6.17% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 0.60% | |||
| Non-Performing Assets to Assets | 0.32% | |||
| Non-Performing Loans to Capital | 1.74% | |||
| Non-Performing Loans to Loans | 0.39% | |||
| Balance Sheet |
Cullman Savings Bank
Cullman, AL |
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| Total Assets | 456.66M | |||
| Total Deposits | 308.24M | |||
| Capital and Reserves |
Cullman Savings Bank
Cullman, AL |
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| Capital | 83.40M | |||
| Leverage Ratio | 18.64 | |||
| Loan Loss Reserves to Loans | 0.75% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Cullman Savings Bank
Cullman, AL |
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| Hot Money Ratio | 32.78% | |||
| Liquidity Ratio | 9.24% | |||
| Profitability |
Cullman Savings Bank
Cullman, AL |
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| 5-Year Return on Average Assets | 0.96% | |||
| Net Income | 1.81M | |||
| Net Interest Spread | 4.10% | |||
| Operating Profit to Average Assets | 1.00% | |||
| Overhead Efficiency Ratio | 64.53% | |||
| Return on Assets | 0.80% | |||
| Return on Equity | 4.41% | |||