Spratt Savings Bank is an FDIC insured institution headquartered at
1613 J A Cochran Byp, Chester, SC 29706.
It was founded in
1893 and has approximately $0 billion in assets. Customers can open an account at one of its 2 branches.
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.10% | $50 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.50% | $1,000 | Compare |
|
12 Mo CD
|
0.95% | $500 | Compare |
|
18 Mo CD
|
1.05% | $500 | Compare |
|
24 Mo CD
|
1.10% | $500 | Compare |
|
30 Mo CD
|
1.16% | $500 | Compare |
|
36 Mo CD
|
1.41% | $500 | Compare |
|
48 Mo CD
|
1.61% | $500 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.10% | $1 | Compare |
|
Money Market
|
0.15% | $10,000 | Compare |
|
Money Market
|
0.30% | $25,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
Int Ckg
|
0.15% | $2,500 |
Pentagon Federal Credit Union NMLS ID: 401822 |
0.000% |
$0
Fees & Points
$0 Total
0.000 Pts ($0) $0 Fees |
Rocket Mortgage NMLS ID: 3030 |
Fees & Points
Total
Pts ($0) $0 Fees |
| FDIC Insured | Yes |
| FDIC Certificate | # 30987 |
| Date Established | 1893 |
| Assets | $ 148.00 million |
| Loans | $ 48.05 million |
| Deposits | $ 116.99 million |
| Capital | $ 30.67 million |
| ASSETS | |
| Cash & Balances due from depository institutions | $ 14.58 million |
| Interest-bearing balances | $ 12.05 million |
| Total securities | $ 77.00 million |
| Federal funds sold and reverse repurchase | $ 2.12 million |
| Net loans and leases | $ 48.05 million |
| Loan loss allowance | $ 1.16 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 0.01 million |
| All other assets | $ 0.66 million |
| Total Assets | $ 117.33 million |
| LIABILITIES | |
| Total deposits | $ 116.99 million |
| Interest-bearing deposits | $ 102.40 million |
| Deposits held in domestic offices | $ 116.99 million |
| % insured (estimated)" | 82.76% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 0.22 millionn |
| Total Liabilities | $ 117.33 million |
| Shareholders’ Equity | $ 30.67 million |
| INCOME AND EXPENSES | |
| Total Interest Income | $ 2.82 million |
| Total Interest Expense | $ 0.92 million |
| Net interest income | $ 1.90 million |
| Provision for loan and lease losses | N.A. |
| Total non interest income | $ 0.12 million |
| Total non interest expense | $ 1.81 million |
| Pre-tax Net Operating Income | $ 0.01 million |
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This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."
Tax Rate: 30%
All calculations are for demonstration purposes only."
| Year | Rate 0.10% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 50 | 35 |
| 2 | 50,050 | 50 | 35 |
| 3 | 50,100 | 50 | 35 |
| 4 | 50,150 | 50 | 35 |
| 5 | 50,200 | 50 | 35 |
| 6 | 50,251 | 50 | 35 |
| 7 | 50,301 | 50 | 35 |
| 8 | 50,351 | 50 | 35 |
| 9 | 50,401 | 50 | 35 |
| 10 | 50,452 | 50 | 35 |
| 11 | 50,502 | 51 | 35 |
| 12 | 50,553 | 51 | 35 |
| 13 | 50,603 | 51 | 35 |
| 14 | 50,654 | 51 | 35 |
| 15 | 50,705 | 51 | 35 |
| 16 | 50,755 | 51 | 36 |
| 17 | 50,806 | 51 | 36 |
| 18 | 50,857 | 51 | 36 |
| 19 | 50,908 | 51 | 36 |
| 20 | 50,959 | 51 | 36 |
| TOTAL | $1,010 | $707 |
| Year | Rate 4.00% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 2,000 | 1,400 |
| 2 | 52,000 | 2,080 | 1,456 |
| 3 | 54,080 | 2,163 | 1,514 |
| 4 | 56,243 | 2,250 | 1,575 |
| 5 | 58,493 | 2,340 | 1,638 |
| 6 | 60,833 | 2,433 | 1,703 |
| 7 | 63,266 | 2,531 | 1,771 |
| 8 | 65,797 | 2,632 | 1,842 |
| 9 | 68,428 | 2,737 | 1,916 |
| 10 | 71,166 | 2,847 | 1,993 |
| 11 | 74,012 | 2,960 | 2,072 |
| 12 | 76,973 | 3,079 | 2,155 |
| 13 | 80,052 | 3,202 | 2,241 |
| 14 | 83,254 | 3,330 | 2,331 |
| 15 | 86,584 | 3,463 | 2,424 |
| 16 | 90,047 | 3,602 | 2,521 |
| 17 | 93,649 | 3,746 | 2,622 |
| 18 | 97,395 | 3,896 | 2,727 |
| 19 | 101,291 | 4,052 | 2,836 |
| 20 | 105,342 | 4,214 | 2,950 |
| TOTAL | $59,556 | $41,689 |
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