Spratt Savings And Loan Association Financial Statements & Health Reports

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Efficiency Ratio

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	Spratt Savings And Loan Association	All Insured Savings Banks in South Carolina
Balance Sheet $(000)
Total Assets	109,948	130,696
Total Net Loans	31,323	81,193
Total Deposits	81,990	100,489
Total Equity	27,742	26,428
Profitability
Net Income	265	1,188
Return on Average Assets	.248	.503
Return on Average Equity	.95	3.716
Net Interest Margin	2.364	3.439
Efficiency Ratio	86.483	81.618
Noninterest Income/Revenue	5.384	15.159
Balance Sheet Ratios
Loan-to-Deposit	38.203	76.377
Securities/Assets	.534	.184
Total Equity/Total Assets	.252	.202
Tangible Equity/Tangible Assets	.252	.199
Capital Adequacy
Tier 1 Common Capital	27,949	25,258
Tier 1 Capital	27,949	25,258
Tier 2 Capital	512	608
Total Capital	28,461	25,866
Total Risk Weighted Assets	40,325	68,370
Leverage Ratio	25.47	19.343
Common Equity Tier 1 Capital Ratio	69.31	39.657
Tier 1 Capital Ratio	69.31	39.657
Total Capital Ratio	70.58	40.728

Spratt Savings And Loan Association was established 131 years ago and is currently headquartered in Chester, SC.

Jan 01 1893

Relationships	Role	Relationship Start	Relationship End

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