Commonwealth Bank And Trust Company Mortgage Rates, Fees & Info

Louisville, KY

LEI: 549300QO5LH5SP6I8C79

Tax ID: 61-0337590

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Bank Data

Review & Overview

Commonwealth Bank And Trust Company is a smaller bank specializing in Refi and Home Purchase 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 by origination volume include: Louisville, Elizabethtown, Cincinnati, Lexington, and Bardstown among others. We have data for 69 markets. (Some data included below & more in-depth data is available with an active subscription.)

Commonwealth Bank And Trust Company has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Commonwealth Bank And Trust Company is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 5.27% 5/19/24
30 Year Conventional Purchase 6.74% 5/19/24
30 Year Conventional Refi 6.78% 5/19/24
30 Year Cash-out Refi 6.93% 5/19/24
30 Year FHA Purchase 7.93% 5/19/24
30 Year FHA Refi 7.32% 5/19/24
30 Year VA Purchase 6.32% 5/19/24
30 Year VA Refi 6.27% 5/19/24
30 Year USDA Purchase 6.65% 5/19/24
15 Year Conventional Purchase 5.93% 5/19/24
15 Year Conventional Refi 6.02% 5/19/24
15 Year Cash-out Refi 6.02% 5/19/24
15 Year FHA Refi 5.68% 5/19/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Commonwealth Bank And Trust Company Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Commonwealth Bank And Trust Company. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

4,014

Origination Dollar Volume (All Markets)

$885,910,000

Employee count

291

Awards

Commonwealth Bank and Trust Company FHA Loans bronze Commonwealth Bank and Trust Company VA Loans gold Commonwealth Bank and Trust Company FHA Loans silver Commonwealth Bank and Trust Company USDA Loans silver
Show all (4) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
LOUISVILLE, KY (FHA|USDA|VA) 3,068 $687,740,000 $224,166 $3,129 3.25%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 463 $94,895,000 $204,957 $4,086 3.12%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 66 $19,120,000 $289,697 $3,078 3.27%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 68 $16,180,000 $237,941 $2,962 3.28%
Outside of Metro Areas 103 $15,375,000 $149,272 $3,557 3.25%
Bardstown, KY (FHA|USDA|VA) 49 $9,505,000 $193,980 $3,801 3.24%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 12 $3,620,000 $301,667 $3,216 3.15%
OWENSBORO, KY (FHA|USDA|VA) 20 $2,990,000 $149,500 $4,401 3.62%
Frankfort, KY (FHA|USDA|VA) 18 $2,910,000 $161,667 $3,284 3.26%
BOWLING GREEN, KY (FHA|USDA|VA) 13 $2,285,000 $175,769 $3,065 3.24%
Richmond-Berea, KY (FHA|USDA|VA) 9 $2,075,000 $230,556 $4,117 3.01%
COLUMBUS, OH (FHA|USDA|VA) 9 $1,915,000 $212,778 $3,895 3.17%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 7 $1,725,000 $246,429 $2,190 3.18%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $1,625,000 $1,625,000 $0 4.25%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 7 $1,625,000 $232,143 $4,601 3.05%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 6 $1,530,000 $255,000 $2,810 3.33%
Glasgow, KY (FHA|USDA|VA) 6 $1,270,000 $211,667 $3,078 2.88%
KANSAS CITY, MO-KS (FHA|USDA|VA) 4 $1,260,000 $315,000 $2,504 3.13%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 5 $1,165,000 $233,000 $3,272 3.34%
KNOXVILLE, TN (FHA|USDA|VA) 3 $1,145,000 $381,667 $2,875 3.25%
ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $800,000 $200,000 $4,148 2.91%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $800,000 $200,000 $4,584 3.78%
DAYTON-KETTERING, OH (FHA|USDA|VA) 4 $780,000 $195,000 $2,912 3.09%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $710,000 $355,000 $2,996 3.25%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $700,000 $350,000 $3,673 3.31%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $660,000 $330,000 $3,426 2.75%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $645,000 $215,000 $3,281 3.04%
Paducah, KY-IL (FHA|USDA|VA) 3 $535,000 $178,333 $3,917 3.33%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $515,000 $515,000 $7,225 3.50%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $505,000 $168,333 $2,668 3.63%
EVANSVILLE, IN-KY (FHA|USDA|VA) 2 $400,000 $200,000 $2,010 3.25%
Seymour, IN (FHA|USDA|VA) 2 $400,000 $200,000 $2,966 3.50%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $385,000 $385,000 $3,129 2.63%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $385,000 $385,000 $2,907 3.25%
ASHEVILLE, NC (FHA|USDA|VA) 1 $375,000 $375,000 $3,808 3.50%
Crossville, TN (FHA|USDA|VA) 2 $370,000 $185,000 $4,158 3.38%
Angola, IN (FHA|USDA|VA) 1 $355,000 $355,000 $2,810 3.13%
BLOOMINGTON, IN (FHA|USDA|VA) 2 $350,000 $175,000 $2,866 3.81%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $335,000 $335,000 $3,409 2.88%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $290,000 $145,000 $4,868 3.50%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $280,000 $140,000 $2,708 3.31%
Bucyrus-Galion, OH (FHA|USDA|VA) 2 $280,000 $140,000 $2,576 2.81%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $265,000 $265,000 $3,063 3.63%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $265,000 $265,000 $2,968 3.13%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $255,000 $255,000 $2,640 3.13%
Dayton, TN (FHA|USDA|VA) 1 $255,000 $255,000 $2,246 3.13%
Danville, KY (FHA|USDA|VA) 2 $250,000 $125,000 $2,195 3.44%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $250,000 $125,000 $3,480 3.81%
Campbellsville, KY (FHA|USDA|VA) 1 $245,000 $245,000 $6,987 3.50%
Georgetown, SC (FHA|USDA|VA) 1 $235,000 $235,000 $3,729 3.50%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $225,000 $225,000 $1,804 2.75%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $215,000 $215,000 $7,129 3.50%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $200,000 $100,000 $2,614 2.69%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $195,000 $195,000 $6,421 3.50%
Madisonville, KY (FHA|USDA|VA) 1 $185,000 $185,000 $7,109 3.75%
Bellefontaine, OH (FHA|USDA|VA) 1 $185,000 $185,000 $2,503 3.13%
Somerset, KY (FHA|USDA|VA) 1 $175,000 $175,000 $3,090 3.50%
COLUMBUS, IN (FHA|USDA|VA) 1 $175,000 $175,000 $1,855 3.88%
Central City, KY (FHA|USDA|VA) 1 $175,000 $175,000 $3,147 2.75%
Mount Sterling, KY (FHA|USDA|VA) 1 $175,000 $175,000 $7,274 2.63%
GAINESVILLE, FL (FHA|USDA|VA) 1 $165,000 $165,000 $2,770 2.50%
Madison, IN (FHA|USDA|VA) 1 $155,000 $155,000 $5,309 3.50%
Scottsburg, IN (FHA|USDA|VA) 1 $145,000 $145,000 $2,406 2.88%
JACKSON, TN (FHA|USDA|VA) 1 $145,000 $145,000 $4,297 3.25%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $125,000 $125,000 $1,982 3.25%
SAVANNAH, GA (FHA|USDA|VA) 1 $125,000 $125,000 $5,460 3.88%
COLUMBIA, MO (FHA|USDA|VA) 1 $125,000 $125,000 $1,958 3.38%
Marion, OH (FHA|USDA|VA) 1 $105,000 $105,000 $4,086 3.50%
AKRON, OH (FHA|USDA|VA) 1 $85,000 $85,000 $2,768 2.75%
Commonwealth Bank And Trust Company's top markets include Louisville, Elizabethtown, Cincinnati, Lexington, and Bardstown among others.

Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,136 $700,750,000 $223,453 $2,748 3.26%
    VA 414 $100,260,000 $242,174 $4,037 2.95%
    FHA 388 $73,000,000 $188,144 $6,228 3.31%
    USDA 76 $11,900,000 $156,579 $4,263 3.12%

    For 2020, Commonwealth Bank And Trust Company's most frequently originated type of loan was Conventional, with 3,136 originations. Their 2nd most popular type was VA, with 414 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 2,001 $447,805,000 $223,791 $2,635 3.15%
    Home Purchase 1,543 $335,385,000 $217,359 $4,260 3.30%
    Cash Out Refi 432 $94,040,000 $217,685 $3,004 3.35%
    Other 31 $5,875,000 $189,516 $2,910 3.52%
    Home Improvement 7 $2,805,000 $400,714 $2,768 3.82%

    For 2020, Commonwealth Bank And Trust Company's most frequently cited loan purpose was Refi, with 2,001 originations. The 2nd most popular reason was Home Purchase, with 1,543 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,921 $665,055,000 $227,681 $3,548 3.27%
    15 Year 580 $119,720,000 $206,414 $2,445 2.83%
    20 Year 282 $60,320,000 $213,901 $2,507 3.26%
    10 Year 133 $10,655,000 $80,113 $2,271 3.92%
    Other 86 $25,130,000 $292,209 $2,611 3.30%
    5 Year 10 $4,580,000 $458,000 $0 4.35%
    1 Year 2 $450,000 $225,000 $0 5.25%

    For 2020, Commonwealth Bank And Trust Company's most frequently cited loan duration was 30 Year, with 2,921 originations. The 2nd most popular length was 15 Year, with 580 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,865 $644,985,000 $225,126
    $1k-2k 830 $165,800,000 $199,759
    $2k-3k 113 $27,725,000 $245,354
    $3k-4k 41 $11,955,000 $291,585
    $4k-5k 11 $3,975,000 $361,364
    $5k+ 9 $3,365,000 $373,889

    Commonwealth Bank And Trust Company's average total fees were $3,548, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,865 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,114 $476,600,000 $225,449
    2.5-3% 1,440 $332,450,000 $230,868
    <2.5% 203 $40,515,000 $199,581
    4-5% 180 $34,080,000 $189,333
    5-6% 75 $2,205,000 $29,400
    6-7% 2 $60,000 $30,000

    During 2020, Commonwealth Bank And Trust Company's average interest rate for loans was 3.27%, while their most frequently originated rate bucket for loans was 3-4%, with 2,114 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,750 $476,570,000 $272,326 $3,566 3.15%
    $100k-200k 1,644 $251,460,000 $152,956 $2,991 3.23%
    $100,000 or less 354 $22,360,000 $63,164 $2,414 3.69%
    $400k-600k 250 $116,340,000 $465,360 $3,813 3.16%
    $1MM+ 8 $13,390,000 $1,673,750 $4,712 3.63%
    $600k-1MM 8 $5,790,000 $723,750 $2,740 4.05%

    2020 saw Commonwealth Bank And Trust Company place emphasis on $200k-400k loans with 1,750 originations, totaling $476,570,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 972 $173,120,000 $178,107 $3,414 3.30%
    $100k-150k 861 $218,055,000 $253,258 $3,320 3.16%
    $75k-100k 673 $144,825,000 $215,193 $3,492 3.28%
    $50k or less 642 $83,890,000 $130,670 $3,344 3.30%
    $150k-250k 424 $131,860,000 $310,991 $3,111 3.18%
    $250k+ 159 $61,945,000 $389,591 $3,007 3.15%

    Commonwealth Bank And Trust Company lent most frequently to those with incomes in the $50k-75k range, with 972 originations. The second most popular income band? $100k-150k, with 861 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 993 $224,335,000 $225,916 $2,937 3.17%
    30-36% 674 $147,470,000 $218,798 $3,272 3.24%
    <20% 463 $101,795,000 $219,860 $2,579 3.06%
    41% 146 $31,500,000 $215,753 $3,380 3.38%
    44% 130 $28,250,000 $217,308 $3,670 3.38%
    38% 129 $27,755,000 $215,155 $3,404 3.29%
    42% 127 $28,815,000 $226,890 $3,567 3.32%
    39% 123 $25,755,000 $209,390 $3,769 3.24%
    37% 115 $27,655,000 $240,478 $3,468 3.27%
    43% 115 $27,035,000 $235,087 $4,145 3.25%
    40% 105 $23,525,000 $224,048 $3,162 3.16%
    36% 100 $21,530,000 $215,300 $3,602 3.18%
    50-60% 98 $23,360,000 $238,367 $6,433 3.10%
    49% 90 $19,610,000 $217,889 $4,093 3.31%
    45% 77 $16,865,000 $219,026 $3,717 3.22%
    48% 75 $15,645,000 $208,600 $3,822 3.38%
    46% 67 $14,415,000 $215,149 $3,779 3.28%
    47% 67 $14,965,000 $223,358 $4,328 3.32%
    >60% 4 $1,680,000 $420,000 $4,968 3.41%

    Commonwealth Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 993 originations. The next most common DTI ratio? 30-36%, with 674 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,614 $794,680,000 $219,889 $3,241 3.22%
    Black 189 $37,215,000 $196,905 $3,927 3.26%
    Not provided 141 $30,755,000 $218,121 $3,162 3.33%
    Not applicable 19 $12,705,000 $668,684 $2,622 4.27%
    Asian 33 $6,615,000 $200,455 $3,386 3.28%
    Native Hawaiian or Islander 5 $1,145,000 $229,000 $3,535 3.35%
    Asian Indian 4 $820,000 $205,000 $2,692 3.28%
    Other Asian 2 $500,000 $250,000 $7,499 2.88%
    Filipino 2 $490,000 $245,000 $2,943 3.19%
    Other Pacific Islander 1 $475,000 $475,000 $10,310 2.88%
    American Indian 3 $425,000 $141,667 $2,252 3.29%
    Chinese 1 $85,000 $85,000 $2,446 3.25%

    Approval Rates

    Total approvals of all applications
    90.25%

    Commonwealth Bank And Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    59.44%

    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 4,014 $885,910,000 $220,705

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 3 $4,815,000 $1,605,000
    Multifamily:Site-Built 3 $2,275,000 $758,333
    Single Family (1-4 Units):Manufactured 2 $130,000 $65,000
    Single Family (1-4 Units):Site-Built 4,006 $878,690,000 $219,343

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 124 $23,890,000 $192,661 $2,291 3.08%
    40-60% 518 $108,350,000 $209,170 $2,372 3.02%
    60-80% 1,464 $335,580,000 $229,221 $2,615 3.26%
    80-100% 1,754 $395,940,000 $225,735 $3,904 3.22%
    Over 100% 65 $18,265,000 $281,000 $9,259 2.89%
    Under 20% 88 $3,470,000 $39,432 $1,524 4.60%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    Common Wealth Mortgage Services Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%
    Common Wealth Mortgage Services VA mortgage Credit monitoring or identity theft protection services 1 50.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Commonwealth Bank and Trust Company 10716 Meeting Street Prospect, KY 40059 Full Service B&M $18,503
    Commonwealth Bank and Trust Company 11900 Standiford Plaza Drive Louisville, KY 40229 Full Service B&M $21,207
    Commonwealth Bank and Trust Company 12906 Shelbyville Road Louisville, KY 40243 Full Service B&M $133,282
    Commonwealth Bank and Trust Company 1402 Evergreen Road Louisville, KY 40223 Full Service B&M $39,287
    Commonwealth Bank and Trust Company 1501 Mt. Eden Road Shelbyville, KY 40065 Full Service B&M $35,113
    Commonwealth Bank and Trust Company 1720 Midland Trail Shelbyville, KY 40065 Full Service B&M $54,226
    Commonwealth Bank and Trust Company 2401 Bardstown Road Louisville, KY 40205 Full Service B&M $49,625
    Commonwealth Bank and Trust Company 286 North Hubbards Lane Louisville, KY 40207 Full Service B&M $168,602
    Commonwealth Bank and Trust Company 311 Boone Station Rd Ste 1 Shelbyville, KY 40065 Full Service Retail $15,430
    Commonwealth Bank and Trust Company 422 Main Street Shelbyville, KY 40065 Full Service B&M $123,635
    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 $143,087
    Commonwealth Bank and Trust Company 4980 Us Highway 42 Louisville, KY 40222 Full Service B&M $0
    Commonwealth Bank and Trust Company 500 West Main Street Louisville, KY 40202 Full Service B&M $46,942
    Commonwealth Bank and Trust Company 591 Freedom Park Drive Edgewood, KY 41017 Full Service B&M $31,430
    Commonwealth Bank and Trust Company 6920 Shelbyville Road Simpsonville, KY 40067 Full Service B&M $39,799
    Commonwealth Bank and Trust Company 7135 Houston Road Florence, KY 41042 Full Service B&M $51,270
    Commonwealth Bank and Trust Company 801 Blankenbaker Parkway Louisville, KY 40243 Full Service B&M $32,145

    For 2020, Commonwealth Bank And Trust Company had 18 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $41,755
    Net interest income $36,167
    Total noninterest income $57,178
    Gross Fiduciary activities income $9,432
    Service charges on deposit accounts $1,135
    Trading account gains and fees $0
    Additional Noninterest Income $46,611
    Pre-tax net operating income $20,006
    Securities gains (or losses, -) $-1
    Income before extraordinary items $20,005
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $20,005
    Minority interest net income $0
    Net income $20,005
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $20,006

    Commonwealth Bank And Trust Company's gross interest income from loans was $41,755,000.
    Commonwealth Bank And Trust Company's net interest income from loans was $36,167,000.
    Commonwealth Bank And Trust Company's fee based income from loans was $1,135,000.
    Commonwealth Bank And Trust Company's net income from loans was $20,005,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,588
    Provision for credit losses $7,890
    Total noninterest expense $65,449
    Salaries and employee benefits $43,834
    Premises and equipment expense $8,232
    Additional noninterest expense $13,383
    Applicable income taxes $0
    Net charge-offs $195
    Cash dividends $12,132

    Commonwealth Bank And Trust Company's interest expense for loans was $5,588,000.
    Commonwealth Bank And Trust Company's payroll and benefits expense were $43,834,000.
    Commonwealth Bank And Trust Company's property, plant and equipment expenses $8,232,000.

    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 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $933,642
    Deposits held in domestic offices $933,642
    Deposits by Individuals, partnerships, and corporations $874,455
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $59,187
    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 $96,299
    Demand deposits $59,801
    Nontransaction accounts $837,343
    Money market deposit accounts (MMDAs) $117,903
    Other savings deposits (excluding MMDAs) $595,257
    Total time deposits $124,183
    Total time and savings deposits $873,841
    Noninterest-bearing deposits $289,069
    Interest-bearing deposits $644,573
    Retail deposits $901,154
    IRAs and Keogh plan accounts $12,962
    Brokered deposits $7,431
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,189,137
    Cash & Balances due from depository institutions $93,204
    Interest-bearing balances $82,856
    Total securities $211,492
    Federal funds sold & reverse repurchase $892
    Net loans and leases $822,249
    Loan and leases loss allowance $15,930
    Trading account assets $0
    Bank premises and fixed assets $30,633
    Other real estate owned $0
    Goodwill and other intangibles $8,984
    All other assets $21,683

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,189,137
    Total Liabilities $1,072,784
    Total deposits $933,642
    Interest-bearing deposits $644,573
    Deposits held in domestic offices $933,642
    % insured (estimated) $73
    Federal funds purchased and repurchase agreements $112,910
    Trading liabilities $0
    Other borrowed funds $6,000
    Subordinated debt $0
    All other liabilities $20,232

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $822,249
    Loan and leases loss allowance $15,930
    Total loans and leases (domestic) $838,179
    All real estate loans $642,292
    Real estate loans in domestic offices $642,292
    Construction and development loans $78,918
    Residential 1-4 family construction $9,216
    Other construction, all land development and other land $69,702
    Loans secured by nonfarm nonresidential properties $341,620
    Nonfarm nonresidential secured by owner-occupied properties $134,229
    Commercial real estate & other non-farm, non-residential $207,391
    Multifamily residential real estate $21,969
    1-4 family residential loans $193,998
    Farmland loans $5,787
    Loans held in foreign offices $0
    Farm loans $3,705
    Commercial and industrial loans $139,540
    To non-U.S. addressees $0
    Loans to individuals $35,463
    Credit card loans $2,773
    Related Plans $5,997
    Consumer Auto Loans $18,885
    Other loans to individuals $7,808
    All other loans & leases $17,179
    Loans to foreign governments and official institutions $0
    Other loans $589
    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 $822,249,000 of loans outstanding in 2020. $642,292,000 of loans were in real estate loans. $78,918,000 of loans were in development loans. $21,969,000 of loans were in multifamily mortgage loans. $193,998,000 of loans were in 1-4 family mortgage loans. $3,705,000 of loans were in farm loans. $2,773,000 of loans were in credit card loans. $18,885,000 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 200 $47,576 $237,880
    Nonfarm, nonresidential loans - <$100k 39 $1,517 $38,897
    Nonfarm, nonresidential loans - $100-250k 66 $6,923 $104,894
    Nonfarm, nonresidential loans - $250k-1MM 95 $39,136 $411,958
    Commercial & Industrial, US addressed loans - <$1MM 667 $53,639 $80,418
    Commercial & Industrial, US addressed loans - <$100k 419 $8,820 $21,050
    Commercial & Industrial, US addressed loans - $100-250k 120 $12,638 $105,317
    Commercial & Industrial, US addressed loans - $250k-1MM 128 $32,181 $251,414
    Farmland loans - <$1MM 10 $1,660 $166,000
    Farmland loans - $100-250k 5 $386 $77,200
    Farmland loans - $250k-1MM 5 $1,274 $254,800
    Agriculture operations loans - <$1MM 4 $777 $194,250
    Agriculture operations loans - $100-250k 1 $152 $152,000
    Agriculture operations loans - $250k-1MM 3 $625 $208,333