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 Community Spirit Bank
Community Spirit Bank
| RSSD ID 470032 | CERTIFICATE 50 | ABA NUMBER 62203476 |
| 200 4th Ave Sw |
Quarter Ended : |
2025-03-31 |
| Red Bay, Alabama, 35582 |
Updated : |
2025-04-30 |
| www.communityspirit.bank |
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| Institution Profile |
| Year Opened : |
1908 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
Yes |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
6 |
Number of Employees : |
45 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 211,940 |
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Total Interest Income | 3,017 |
| Total Liabilities | 196,711 |
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Total NonInterest Income | 1,026 |
| Total Bank Equity Capital | 15,229 |
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Total Interest Expense | 868 |
| Total Deposits | 193,601 |
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Total NonInterest Expense | 1,873 |
| Net Loans & Leases | 135,617 |
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Net Income | 1,208 |
| Loan Loss Allowance | 1,797 |
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Net Charge Offs | 17 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 134,097 |
| Total assets for the leverage ratio | 213,917 |
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Loans secured by real estate: | 90,339 |
| Tier 1 Leverage Ratio | 9.56 |
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Commercial and industrial loans | 24,345 |
| Off Balance Sheet Exposures (%) | 0.17 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 10,710 |
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:· Community Spirit Bank
