| Weiss Ratings |
Community Spirit Bank
Red Bay, AL |
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| Rating | ||||
| Asset Quality Index | 8.40 | |||
| Capitalization Index | 8.20 | |||
| Liquidity Index | 2.40 | |||
| Profitability Index | 7.00 | |||
| Stability Index | 5.70 | |||
| Company Info |
Community Spirit Bank
Red Bay, AL |
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| FDIC Number | 50 | |||
| Phone Number | (256) 356-5632 | |||
| Website | www.communityspirit.bank | |||
| Asset Quality |
Community Spirit Bank
Red Bay, AL |
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| 1-Year Asset Growth | 5.17% | |||
| 5-Year Asset Growth | 6.32% | |||
| 5-Year Charge-Offs to Average Loans | 0.04% | |||
| Charge-Offs to Average Loans | 0.02% | |||
| Non-Performing Assets to Assets | 0.15% | |||
| Non-Performing Loans to Capital | 0.79% | |||
| Non-Performing Loans to Loans | 0.23% | |||
| Balance Sheet |
Community Spirit Bank
Red Bay, AL |
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| Total Assets | 220.29M | |||
| Total Deposits | 198.16M | |||
| Capital and Reserves |
Community Spirit Bank
Red Bay, AL |
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| Capital | 17.88M | |||
| Leverage Ratio | 9.77 | |||
| Loan Loss Reserves to Loans | 1.31% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Community Spirit Bank
Red Bay, AL |
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| Hot Money Ratio | 33.95% | |||
| Liquidity Ratio | 25.21% | |||
| Profitability |
Community Spirit Bank
Red Bay, AL |
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| 5-Year Return on Average Assets | 1.13% | |||
| Net Income | 3.56M | |||
| Net Interest Spread | 4.66% | |||
| Operating Profit to Average Assets | 1.71% | |||
| Overhead Efficiency Ratio | 66.75% | |||
| Return on Assets | 1.63% | |||
| Return on Equity | 22.23% | |||