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
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Mortgage Data
Bank 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
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Commonwealth Bank and Trust Company - 2021
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For 2021, less than of lenders were eligible for this award.
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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
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.
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 |
