| Weiss Ratings |
Community Spirit Bank
Red Bay, AL |
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| Rating | ||||
| Asset Quality Index | 8.40 | |||
| Capitalization Index | 8.10 | |||
| Liquidity Index | 2.40 | |||
| Profitability Index | 5.30 | |||
| Stability Index | 5.90 | |||
| 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 | 7.64% | |||
| 5-Year Asset Growth | 6.32% | |||
| 5-Year Charge-Offs to Average Loans | 0.04% | |||
| Charge-Offs to Average Loans | 0.34% | |||
| Non-Performing Assets to Assets | 0.13% | |||
| Non-Performing Loans to Capital | 0.46% | |||
| Non-Performing Loans to Loans | 0.15% | |||
| Balance Sheet |
Community Spirit Bank
Red Bay, AL |
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| Total Assets | 228.82M | |||
| Total Deposits | 205.69M | |||
| Capital and Reserves |
Community Spirit Bank
Red Bay, AL |
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| Capital | 18.51M | |||
| Leverage Ratio | 9.73 | |||
| Loan Loss Reserves to Loans | 1.29% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Community Spirit Bank
Red Bay, AL |
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| Hot Money Ratio | 33.54% | |||
| Liquidity Ratio | 24.96% | |||
| Profitability |
Community Spirit Bank
Red Bay, AL |
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| 5-Year Return on Average Assets | 1.22% | |||
| Net Income | 1.56M | |||
| Net Interest Spread | 4.70% | |||
| Operating Profit to Average Assets | 1.45% | |||
| Overhead Efficiency Ratio | 66.72% | |||
| Return on Assets | 1.36% | |||
| Return on Equity | 17.24% | |||