Vitals
  • Total Assets
    143.7M 5.0 %
  • Total Deposits
    125.4M 5.5 %
  • Total Net Loans
    92.6M 2.1 %
  • Net Income
    766000.0000 -9.0 %
  • Book Value
    15.1M 4.0 %
  • Book Value x2
    30.2M 4.0 %
  • Book Value x3
    45.3M 4.0 %
ROAA

.713

ROAE

6.834

Efficiency Ratio

74.276

Net Interest Margin

4.464

Balance Sheet Highlights
Financial Highlights Community Spirit Bank All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 143,687 262,366
Total Net Loans 92,620 153,206
Total Deposits 125,383 221,747
Total Equity 15,103 31,740
Profitability
Net Income 766 1,948
Return on Average Assets .713 .919
Return on Average Equity 6.834 7.567
Net Interest Margin 4.464 3.875
Efficiency Ratio 74.276 69.018
Noninterest Income/Revenue 13.734 15.504
Balance Sheet Ratios
Loan-to-Deposit 73.87 65.063
Securities/Assets .19 .233
Total Equity/Total Assets .105 .121
Tangible Equity/Tangible Assets .105 .119
Capital Adequacy
Tier 1 Common Capital 14,810 30,064
Tier 1 Capital 14,810 30,064
Tier 2 Capital 1,023 1,856
Total Capital 15,833 31,916
Total Risk Weighted Assets 95,164 178,436
Leverage Ratio 10.38 11.795
Common Equity Tier 1 Capital Ratio 15.56 18.994
Tier 1 Capital Ratio 15.56 18.999
Total Capital Ratio 16.64 20.08

Timeline for Community Spirit Bank

Spirit Bank

Acquisition: Community Spirit Bank acquired a new subsidiary, Spirit Bank, 12 years

View Profile Jan 01 2012

Independent Bancshares, Inc.

Independent Bancshares, Inc. became a new parent organization for Community Spirit Bank.

View Profile Sep 01 1984

Weatherford Foundation Of Red Bay, Alabama, Inc., The

Weatherford Foundation Of Red Bay, Alabama, Inc., The became a new parent organization for Community Spirit Bank.

View Profile May 31 1984

Community Spirit Bank

Community Spirit Bank was established 116 years ago and is currently headquartered in Red Bay, AL.

Mar 17 1908
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Spirit Bank Seller 26,067 Pooling of Interests Discontinued 1/1/2012
Relationships Role Relationship Start Relationship End
Independent Bancshares, Inc. Parent 9/1/1984
Weatherford Foundation Of Red Bay, Alabama, Inc., The Parent 5/31/1984 8/31/1984
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