Commonwealth Bank And Trust Company Mortgage Rates, Fees & Info

Louisville, KY

LEI: 549300QO5LH5SP6I8C79

Tax ID: 61-0337590

5 stars - out of 5 stars, based on 52 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Commonwealth Bank And Trust Company is a smaller bank specializing in Home Purchase and Refi loans. Commonwealth Bank And Trust Company has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Louisville/jefferson County, Elizabethtown, Cincinnati, Lexington, and Bardstown among others. Commonwealth Bank And Trust Company has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Commonwealth Bank And Trust Company is typically an average fee lendor.


Originations

2,739

Origination Dollar Volume (All Markets)

$595,535,000

Employee count

212

Awards

Commonwealth Bank and Trust Company USDA Loans gold Commonwealth Bank and Trust Company USDA Loans bronze Commonwealth Bank and Trust Company VA Loans silver
Show all (3) awards

Relative Rate

Commonwealth Bank And Trust Company's average 30 year fixed rate mortgage of loans were 3.14%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.01%.

Relative Fees

Commonwealth Bank And Trust Company's average total fees for a 30 year fixed rate mortgage are $3,933.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 2,097 $455,815,000 $217,365 $3,460 3.09%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 241 $53,405,000 $221,598 $4,534 2.95%
Outside of Metro Areas 86 $15,210,000 $176,860 $3,146 3.03%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 38 $8,640,000 $227,368 $3,561 3.06%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 41 $8,545,000 $208,415 $3,558 3.13%
Bardstown, KY (FHA|USDA|VA) 42 $7,710,000 $183,571 $4,298 3.05%
Frankfort, KY (FHA|USDA|VA) 21 $3,605,000 $171,667 $3,219 2.99%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $2,310,000 $1,155,000 $7,960 3.31%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 6 $2,140,000 $356,667 $5,811 3.42%
COLUMBUS, OH (FHA|USDA|VA) 11 $2,135,000 $194,091 $3,125 3.15%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 9 $1,975,000 $219,444 $4,520 2.97%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $1,765,000 $353,000 $3,491 3.00%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 6 $1,710,000 $285,000 $5,115 3.15%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 4 $1,610,000 $402,500 $4,972 3.00%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 6 $1,380,000 $230,000 $3,684 3.02%
BOWLING GREEN, KY (FHA|USDA|VA) 5 $1,195,000 $239,000 $3,886 3.25%
Richmond-Berea, KY (FHA|USDA|VA) 6 $1,180,000 $196,667 $4,162 2.96%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $1,095,000 $365,000 $2,977 3.29%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $1,045,000 $1,045,000 $4,217 3.13%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 5 $965,000 $193,000 $3,224 2.80%
PANAMA CITY, FL (FHA|USDA|VA) 3 $945,000 $315,000 $3,261 3.25%
OWENSBORO, KY (FHA|USDA|VA) 5 $905,000 $181,000 $4,210 2.93%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $895,000 $298,333 $2,399 3.00%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $875,000 $291,667 $4,729 3.21%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $680,000 $340,000 $2,589 2.88%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $670,000 $335,000 $3,760 2.69%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $630,000 $315,000 $3,411 2.94%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $625,000 $625,000 $26,000 2.25%
ST. LOUIS, MO-IL (FHA|USDA|VA) 3 $605,000 $201,667 $2,543 2.88%
Sevierville, TN (FHA|USDA|VA) 2 $600,000 $300,000 $0 4.44%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $560,000 $280,000 $3,417 3.00%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 5 $555,000 $111,000 $4,049 2.75%
Danville, KY (FHA|USDA|VA) 3 $545,000 $181,667 $4,569 2.96%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $530,000 $265,000 $5,106 2.94%
GAINESVILLE, FL (FHA|USDA|VA) 1 $515,000 $515,000 $5,698 2.63%
Madison, IN (FHA|USDA|VA) 3 $515,000 $171,667 $3,989 3.21%
Scottsburg, IN (FHA|USDA|VA) 3 $505,000 $168,333 $2,901 3.46%
FORT WAYNE, IN (FHA|USDA|VA) 2 $480,000 $240,000 $2,096 2.88%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $455,000 $455,000 $6,656 3.00%
COLUMBIA, SC (FHA|USDA|VA) 3 $455,000 $151,667 $4,781 3.08%
JACKSONVILLE, FL (FHA|USDA|VA) 2 $450,000 $225,000 $3,938 3.25%
THE VILLAGES, FL (FHA|USDA|VA) 1 $445,000 $445,000 $4,664 3.25%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $425,000 $141,667 $2,903 3.58%
Paducah, KY-IL (FHA|USDA|VA) 3 $425,000 $141,667 $5,693 2.63%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $400,000 $200,000 $4,281 2.88%
WARNER ROBINS, GA (FHA|USDA|VA) 3 $395,000 $131,667 $6,674 3.71%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $390,000 $195,000 $4,174 2.88%
Morehead City, NC (FHA|USDA|VA) 2 $370,000 $185,000 $4,375 2.88%
RALEIGH-CARY, NC (FHA|USDA|VA) 2 $370,000 $185,000 $2,483 2.94%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $365,000 $365,000 $3,904 2.75%
COLUMBUS, IN (FHA|USDA|VA) 2 $360,000 $180,000 $2,076 2.94%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $350,000 $175,000 $2,421 2.75%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $335,000 $335,000 $2,048 2.75%
Marietta, OH (FHA|USDA|VA) 1 $325,000 $325,000 $6,616 2.25%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $325,000 $325,000 $3,865 3.50%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $305,000 $305,000 $4,347 2.50%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $305,000 $305,000 $4,730 2.88%
VALDOSTA, GA (FHA|USDA|VA) 1 $265,000 $265,000 $8,077 2.75%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $260,000 $130,000 $1,117 4.56%
Brevard, NC (FHA|USDA|VA) 1 $255,000 $255,000 $4,136 3.25%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $255,000 $255,000 $2,404 2.63%
KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $255,000 $85,000 $2,112 3.08%
Cullowhee, NC (FHA|USDA|VA) 1 $215,000 $215,000 $2,806 2.50%
ALBANY, GA (FHA|USDA|VA) 1 $185,000 $185,000 $4,373 2.38%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $155,000 $155,000 $1,878 2.38%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $135,000 $135,000 $2,673 2.50%
Jasper, IN (FHA|USDA|VA) 1 $135,000 $135,000 $4,367 2.50%
SPARTANBURG, SC (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.63%
Campbellsville, KY (FHA|USDA|VA) 1 $125,000 $125,000 $2,979 3.13%
AKRON, OH (FHA|USDA|VA) 1 $125,000 $125,000 $5,934 2.88%
KNOXVILLE, TN (FHA|USDA|VA) 1 $115,000 $115,000 $2,826 2.50%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $115,000 $115,000 $2,651 2.38%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $105,000 $105,000 $5,312 3.38%
Somerset, KY (FHA|USDA|VA) 1 $105,000 $105,000 $2,612 2.88%
MANSFIELD, OH (FHA|USDA|VA) 1 $105,000 $105,000 $4,216 2.88%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $95,000 $95,000 $2,124 2.13%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $85,000 $85,000 $4,172 3.00%

Commonwealth Bank And Trust Company's top markets include Louisville/jefferson County, Elizabethtown, Cincinnati, Lexington, and Bardstown among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 2,151 $466,765,000 $216,999 $2,972 3.13%
FHA 291 $57,045,000 $196,031 $6,559 3.03%
VA 260 $65,870,000 $253,346 $4,940 2.73%
USDA 37 $5,855,000 $158,243 $4,300 2.81%

For the 2021 period, Commonwealth Bank And Trust Company's most frequently originated loan type of loans were Conventional, with 2,151 originations. Their 2nd most popular type is FHA, with 291 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 1,152 $268,440,000 $233,021 $4,346 3.20%
Refi 1,118 $224,610,000 $200,903 $2,904 2.93%
Cash Out Refi 431 $95,665,000 $221,961 $3,554 3.11%
Other 35 $6,245,000 $178,429 $3,132 3.30%
Home Improvement 3 $575,000 $191,667 $3,134 3.25%

For the 2021, Commonwealth Bank And Trust Company's most frequently cited loan purpose of loans were Home Purchase, with 1,152 originations. The 2nd most popular reason of loans were Refi, with 1,118 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 1,991 $453,935,000 $227,993 $3,933 3.14%
15 Year 430 $87,020,000 $202,372 $2,600 2.63%
20 Year 148 $29,730,000 $200,878 $2,787 3.08%
10 Year 111 $12,275,000 $110,586 $2,300 3.40%
Other 42 $9,920,000 $236,190 $2,807 3.15%
5 Year 16 $2,650,000 $165,625 $911 4.23%
3 Year 1 $5,000 $5,000 $0 0.00%

For the 2021, Commonwealth Bank And Trust Company's most frequently cited loan length of loans were 30 Year, with 1,991 originations. The 2nd most popular length of loans were 15 Year, with 430 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 1,640 $369,850,000 $225,518
$1k-2k 696 $138,670,000 $199,239
$2k-3k 161 $36,895,000 $229,161
$3k-4k 74 $18,950,000 $256,081
$5k+ 17 $6,475,000 $380,882

$3,933 of loans were Commonwealth Bank And Trust Company's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 1,640 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 1,242 $274,740,000 $221,208
2.5-3% 1,035 $238,345,000 $230,285
<2.5% 380 $74,360,000 $195,684
5-6% 45 $1,135,000 $25,222
4-5% 37 $6,955,000 $187,973

During 2021, Commonwealth Bank And Trust Company's average interest rate of loans were 3.14%, while their most frequently originated rate bucket of loans were 3-4%, with 1,242 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100k-200k 1,172 $177,960,000 $151,843 $3,192 3.04%
$200k-400k 1,076 $291,900,000 $271,283 $4,058 3.02%
$100,000 or less 285 $18,685,000 $65,561 $2,343 3.40%
$400k-600k 194 $92,880,000 $478,763 $4,501 3.07%
$1MM+ 6 $9,640,000 $1,606,667 $5,853 3.25%
$600k-1MM 6 $4,470,000 $745,000 $8,501 3.19%

2021 saw Commonwealth Bank And Trust Company place emphasis on $100k-200k loans with 1,172 originations, totaling $177,960,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 741 $133,385,000 $180,007 $3,682 3.12%
$50k or less 521 $71,875,000 $137,956 $3,449 3.12%
$100k-150k 508 $129,560,000 $255,039 $3,671 3.06%
$75k-100k 418 $91,370,000 $218,589 $3,778 3.06%
$150k-250k 265 $82,775,000 $312,358 $3,760 3.06%
$250k+ 122 $47,930,000 $392,869 $3,259 3.14%

Commonwealth Bank And Trust Company lent most frequently to those with incomes in the $50k-75k range, with 741 originations. The second most popular income band? $50k or less, with 521 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 606 $128,210,000 $211,568 $3,185 3.00%
30-36% 485 $106,315,000 $219,206 $3,417 3.07%
<20% 241 $50,015,000 $207,531 $2,656 2.92%
44% 117 $28,015,000 $239,444 $4,321 3.12%
36% 100 $26,240,000 $262,400 $3,678 3.12%
43% 97 $21,975,000 $226,546 $3,800 3.06%
39% 90 $18,990,000 $211,000 $3,710 3.07%
42% 86 $17,900,000 $208,140 $3,709 3.20%
45% 84 $18,840,000 $224,286 $3,825 3.13%
38% 83 $18,235,000 $219,699 $3,743 3.13%
40% 82 $18,330,000 $223,537 $3,747 3.08%
50-60% 80 $20,870,000 $260,875 $6,999 3.05%
47% 73 $17,545,000 $240,342 $4,092 3.04%
37% 71 $15,405,000 $216,972 $3,655 3.14%
41% 71 $15,305,000 $215,563 $3,595 3.07%
49% 71 $16,545,000 $233,028 $4,818 3.21%
48% 64 $14,570,000 $227,656 $4,181 3.14%
46% 45 $9,155,000 $203,444 $4,826 3.11%
>60% 4 $530,000 $132,500 $1,947 3.88%

Commonwealth Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 606 originations. The next most common DTI ratio? 30-36%, with 485 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 2,379 $518,925,000 $218,127 $3,489 3.05%
Black 165 $32,625,000 $197,727 $4,612 3.26%
Not provided 143 $28,275,000 $197,727 $4,324 3.19%
Not applicable 12 $6,110,000 $509,167 $0 3.82%
Asian 29 $5,625,000 $193,966 $2,866 3.05%
Asian Indian 1 $1,355,000 $1,355,000 $4,466 3.63%
American Indian 4 $1,090,000 $272,500 $9,687 3.19%
Native Hawaiian 2 $870,000 $435,000 $4,260 3.00%
Korean 2 $420,000 $210,000 $6,975 2.88%
Other Pacific Islander 1 $135,000 $135,000 $2,510 3.00%
Other Asian 1 $105,000 $105,000 $1,425 2.50%

Approval Rates

Total approvals of all applications
88.71%

Commonwealth Bank And Trust Company has an average approval rate.

Pick Rate

Approvals leading to origination
60.41%

Commonwealth Bank And Trust Company has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points Originations Total Value Average Loan
NA 2,739 $595,535,000 $217,428

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
2,739 $595,535,000 $217,428

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 137 $21,175,000 $154,562 $2,351 2.83%
40-60% 372 $74,720,000 $200,860 $2,577 2.85%
60-80% 981 $213,495,000 $217,630 $3,009 3.15%
80-100% 1,151 $271,715,000 $236,069 $4,293 3.05%
Over 100% 37 $12,495,000 $337,703 $11,150 2.77%
Under 20% 61 $1,935,000 $31,721 $1,686 4.37%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
Common Wealth Mortgage Services Conventional home mortgage Incorrect information on your report 1 50.0%
Common Wealth Mortgage Services FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Commonwealth Bank and Trust Company 1501 Mt. Eden Road Shelbyville, KY 40065 Full Service B&M $36,927
Commonwealth Bank and Trust Company 10716 Meeting Street Prospect, KY 40059 Full Service B&M $24,317
Commonwealth Bank and Trust Company 11900 Standiford Plaza Drive Louisville, KY 40229 Full Service B&M $24,900
Commonwealth Bank and Trust Company 12906 Shelbyville Road Louisville, KY 40243 Full Service B&M $128,324
Commonwealth Bank and Trust Company 1402 Evergreen Road Louisville, KY 40223 Full Service B&M $42,126
Commonwealth Bank and Trust Company 6920 Shelbyville Road Simpsonville, KY 40067 Full Service B&M $43,423
Commonwealth Bank and Trust Company 7135 Houston Road Florence, KY 41042 Full Service B&M $60,172
Commonwealth Bank and Trust Company 801 Blankenbaker Parkway Louisville, KY 40243 Full Service B&M $33,366
Commonwealth Bank and Trust Company 1720 Midland Trail Shelbyville, KY 40065 Full Service B&M $58,014
Commonwealth Bank and Trust Company 2401 Bardstown Road Louisville, KY 40205 Full Service B&M $49,208
Commonwealth Bank and Trust Company 286 North Hubbards Lane Louisville, KY 40207 Full Service B&M $172,843
Commonwealth Bank and Trust Company 311 Boone Station Rd Ste 1 Shelbyville, KY 40065 Full Service Retail $16,791
Commonwealth Bank and Trust Company 400 West Market Street, Suite 150 Louisville, KY 40202 Full Service B&M $49,420
Commonwealth Bank and Trust Company 422 Main Street Shelbyville, KY 40065 Full Service B&M $99,931
Commonwealth Bank and Trust Company 4350 Brownsboro Road, Suite 310 Louisville, KY 40207 Full Service B&M $0
Commonwealth Bank and Trust Company 4944 Us Highway 42 Louisville, KY 40222 Full Service B&M $121,426
Commonwealth Bank and Trust Company 4980 Us Highway 42 Louisville, KY 40222 Full Service B&M $0
Commonwealth Bank and Trust Company 591 Freedom Park Drive Edgewood, KY 41017 Full Service B&M $42,247

For 2021, Commonwealth Bank And Trust Company had 18 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $36,434
Net interest income $33,472
Total noninterest income $37,614
Gross Fiduciary activities income $11,463
Service charges on deposit accounts $1,276
Trading account gains and fees $0
Additional Noninterest Income $24,875
Pre-tax net operating income $15,186
Securities gains (or losses, -) $16
Income before extraordinary items $15,202
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $15,202
Minority interest net income $0
Net income $15,202
Sale, conversion, retirement of capital stock, net $0
Net operating income $15,186

Commonwealth Bank And Trust Company's gross interest income from loans was $36,434,000.
Commonwealth Bank And Trust Company's net interest income from loans was $33,472,000.
Commonwealth Bank And Trust Company's fee based income from loans was $1,276,000.
Commonwealth Bank And Trust Company's net income from loans was $15,202,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $2,962
Provision for credit losses $300
Total noninterest expense $55,600
Salaries and employee benefits $37,290
Premises and equipment expense $7,699
Additional noninterest expense $10,611
Applicable income taxes $0
Net charge-offs $83
Cash dividends $11,529

Commonwealth Bank And Trust Company's interest expense for loans was $2,962,000.
Commonwealth Bank And Trust Company's payroll and benefits expense were $37,290,000.
Commonwealth Bank And Trust Company's property, plant and equipment expenses $7,699,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 4.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 1.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $1,004,089
Deposits held in domestic offices $1,004,089
Deposits by Individuals, partnerships, and corporations $918,036
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $86,053
Deposits by Commercial banks and other depository institutions in U.S. $0
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $599,764
Demand deposits $48,374
Nontransaction accounts $404,325
Money market deposit accounts (MMDAs) $137,247
Other savings deposits (excluding MMDAs) $157,193
Total time deposits $109,885
Total time and savings deposits $955,715
Noninterest-bearing deposits $294,424
Interest-bearing deposits $709,665
Retail deposits $982,348
IRAs and Keogh plan accounts $12,929
Brokered deposits $420
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $1,299,520
Cash & Balances due from depository institutions $303,826
Interest-bearing balances $295,442
Total securities $263,985
Federal funds sold & reverse repurchase $10,242
Net loans and leases $666,026
Loan and leases loss allowance $16,147
Trading account assets $0
Bank premises and fixed assets $28,833
Other real estate owned $0
Goodwill and other intangibles $9,752
All other assets $16,856

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $1,299,520
Total Liabilities $1,181,178
Total deposits $1,004,089
Interest-bearing deposits $709,665
Deposits held in domestic offices $1,004,089
% insured (estimated) $78
Federal funds purchased and repurchase agreements $154,295
Trading liabilities $0
Other borrowed funds $6,000
Subordinated debt $0
All other liabilities $16,794

Issued Loan Types

Type Value (in 000's)
Net loans and leases $666,026
Loan and leases loss allowance $16,147
Total loans and leases (domestic) $682,173
All real estate loans $564,711
Real estate loans in domestic offices $564,711
Construction and development loans $59,653
Residential 1-4 family construction $3,230
Other construction, all land development and other land $56,423
Loans secured by nonfarm nonresidential properties $325,651
Nonfarm nonresidential secured by owner-occupied properties $128,544
Commercial real estate & other non-farm, non-residential $197,107
Multifamily residential real estate $18,008
1-4 family residential loans $156,959
Farmland loans $4,440
Loans held in foreign offices $0
Farm loans $3,241
Commercial and industrial loans $64,672
To non-U.S. addressees $0
Loans to individuals $33,912
Credit card loans $2,561
Related Plans $13,050
Consumer Auto Loans $10,273
Other loans to individuals $8,028
All other loans & leases $15,637
Loans to foreign governments and official institutions $0
Other loans $267
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $0
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $0
Non 1-4 family restructured loans & leases $0
Total loans and leases (foreign) $0

Commonwealth Bank and Trust Company had $666,026,000 of loans outstanding in 2021. $564,711,000 of loans were in real estate loans. $59,653,000 of loans were in development loans. $18,008,000 of loans were in multifamily mortgage loans. $156,959,000 of loans were in 1-4 family mortgage loans. $3,241,000 of loans were in farm loans. $2,561,000 of loans were in credit card loans. $10,273,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 192 $47,596 $247,896
Nonfarm, nonresidential loans - <$100k 31 $1,350 $43,548
Nonfarm, nonresidential loans - $100-250k 64 $6,706 $104,781
Nonfarm, nonresidential loans - $250k-1MM 97 $39,540 $407,629
Commercial & Industrial, US addressed loans - <$1MM 311 $28,988 $93,209
Commercial & Industrial, US addressed loans - <$100k 152 $1,812 $11,921
Commercial & Industrial, US addressed loans - $100-250k 57 $4,367 $76,614
Commercial & Industrial, US addressed loans - $250k-1MM 102 $22,809 $223,618
Farmland loans - <$1MM 9 $1,355 $150,556
Farmland loans - $100-250k 5 $347 $69,400
Farmland loans - $250k-1MM 4 $1,008 $252,000
Agriculture operations loans - <$1MM 1 $388 $388,000
Agriculture operations loans - $250k-1MM 1 $388 $388,000