| Weiss Ratings |
Spratt Savings Bank
Chester, SC |
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| Rating | ||||
| Asset Quality Index | 8.40 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 1.70 | |||
| Profitability Index | 0.90 | |||
| Stability Index | 7.40 | |||
| Company Info |
Spratt Savings Bank
Chester, SC |
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| FDIC Number | 30987 | |||
| Phone Number | (803) 385-5102 | |||
| Website | www.sprattsavingsbank.com | |||
| Asset Quality |
Spratt Savings Bank
Chester, SC |
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| 1-Year Asset Growth | 4.33% | |||
| 5-Year Asset Growth | 1.05% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.08% | |||
| Non-Performing Loans to Capital | 0.37% | |||
| Non-Performing Loans to Loans | 0.26% | |||
| Balance Sheet |
Spratt Savings Bank
Chester, SC |
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| Total Assets | 154.40M | |||
| Total Deposits | 123.04M | |||
| Capital and Reserves |
Spratt Savings Bank
Chester, SC |
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| Capital | 30.97M | |||
| Leverage Ratio | 20.38 | |||
| Loan Loss Reserves to Loans | 2.30% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Spratt Savings Bank
Chester, SC |
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| Hot Money Ratio | 23.22% | |||
| Liquidity Ratio | 74.17% | |||
| Profitability |
Spratt Savings Bank
Chester, SC |
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| 5-Year Return on Average Assets | 0.20% | |||
| Net Income | 136.00K | |||
| Net Interest Spread | 2.99% | |||
| Operating Profit to Average Assets | 0.22% | |||
| Overhead Efficiency Ratio | 92.46% | |||
| Return on Assets | 0.18% | |||
| Return on Equity | 0.88% | |||