Cb&s Bank Mortgage Rates, Fees & Info

Russellville, AL

LEI: 549300RTWPH3HXUWR160

Tax ID: 63-0041560

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

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Cb&s Bank is a smaller bank specializing in Home Purchase and Refi loans. Cb&s Bank 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: Birmingham, Florence, Huntsville, Decatur, and Nashville among others. We have data for 39 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Cb&s Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Cb&s Bank 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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 11/21/24
    30 Year Conventional Purchase 6.96% 11/21/24
    30 Year Conventional Refi 7.34% 11/21/24
    30 Year Cash-out Refi 6.67% 11/21/24
    30 Year FHA Purchase 7.22% 11/21/24
    30 Year FHA Refi 6.27% 11/21/24
    30 Year VA Purchase 6.16% 11/21/24
    30 Year USDA Purchase 6.71% 11/21/24
    15 Year Conventional Purchase 6.87% 11/21/24
    15 Year Conventional Refi 7.20% 11/21/24
    15 Year Cash-out Refi 7.20% 11/21/24
    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.

    Cb&s Bank Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Cb&s Bank. 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

    740

    Origination Dollar Volume (All Markets)

    $98,790,000

    Employee count

    515 Show all (10) 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
    Outside of Metro Areas 305 $28,425,000 $93,197 $2,021 5.76%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 83 $14,565,000 $175,482 $4,878 4.53%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 52 $13,670,000 $262,885 $2,054 5.43%
    HUNTSVILLE, AL (FHA|USDA|VA) 63 $9,605,000 $152,460 $2,960 5.55%
    DECATUR, AL (FHA|USDA|VA) 50 $5,980,000 $119,600 $2,626 5.45%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 12 $4,230,000 $352,500 $3,121 5.58%
    Cullman, AL (FHA|USDA|VA) 25 $3,795,000 $151,800 $3,951 4.65%
    Corinth, MS (FHA|USDA|VA) 22 $2,420,000 $110,000 $2,205 5.36%
    Starkville, MS (FHA|USDA|VA) 13 $1,885,000 $145,000 $2,996 4.98%
    Clarksdale, MS (FHA|USDA|VA) 18 $1,720,000 $95,556 $2,220 5.47%
    Tupelo, MS (FHA|USDA|VA) 17 $1,485,000 $87,353 $2,160 4.90%
    Lewisburg, TN (FHA|USDA|VA) 12 $1,370,000 $114,167 $2,056 4.94%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 9 $1,305,000 $145,000 $4,278 4.52%
    Greenwood, MS (FHA|USDA|VA) 10 $860,000 $86,000 $4,657 5.98%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $775,000 $775,000 $6,432 4.82%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $675,000 $225,000 $2,925 4.91%
    Greenville, MS (FHA|USDA|VA) 11 $595,000 $54,091 $2,363 5.49%
    Scottsboro, AL (FHA|USDA|VA) 3 $555,000 $185,000 $3,457 4.53%
    Oxford, MS (FHA|USDA|VA) 3 $505,000 $168,333 $4,412 4.72%
    JACKSON, MS (FHA|USDA|VA) 3 $465,000 $155,000 $4,112 4.70%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $460,000 $230,000 $3,425 4.38%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $435,000 $435,000 $3,434 4.00%
    Lawrenceburg, TN (FHA|USDA|VA) 2 $370,000 $185,000 $3,050 4.69%
    MONTGOMERY, AL (FHA|USDA|VA) 1 $295,000 $295,000 $8,057 4.38%
    Jasper, AL (FHA|USDA|VA) 1 $285,000 $285,000 $3,065 4.50%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $255,000 $255,000 $2,934 4.75%
    MOBILE, AL (FHA|USDA|VA) 1 $245,000 $245,000 $6,425 4.38%
    Columbus, MS (FHA|USDA|VA) 1 $225,000 $225,000 $8,734 4.50%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $205,000 $205,000 $1,290 4.63%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $195,000 $195,000 $7,400 4.25%
    Dyersburg, TN (FHA|USDA|VA) 1 $195,000 $195,000 $2,678 4.63%
    JACKSON, TN (FHA|USDA|VA) 3 $175,000 $58,333 $2,239 4.87%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $155,000 $155,000 $3,564 4.81%
    Albertville, AL (FHA|USDA|VA) 2 $90,000 $45,000 $1,034 5.93%
    Union City, TN (FHA|USDA|VA) 1 $85,000 $85,000 $2,365 6.77%
    Cleveland, MS (FHA|USDA|VA) 2 $80,000 $40,000 $1,176 6.09%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.00%
    GADSDEN, AL (FHA|USDA|VA) 1 $55,000 $55,000 $2,993 4.88%
    Indianola, MS (FHA|USDA|VA) 1 $25,000 $25,000 $427 8.28%
    Cb&s Bank's top markets include Birmingham, Florence, Huntsville, Decatur, and Nashville among others.

    Their top states include:
  • Alabama (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Mississippi (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against CB&S Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    TVA Community Credit Union
    Similarity Rank: 30
    Alabama Central Credit Union
    Similarity Rank: 112
    The First National Bank of Middle Tennessee
    Similarity Rank: 128
    Jefferson Credit Union
    Similarity Rank: 228
    Eco Credit Union
    Similarity Rank: 368
    Listerhill Credit Union
    Similarity Rank: 416
    Liberty Mortgage Corporation
    Similarity Rank: 432
    Guardian Credit Union
    Similarity Rank: 459
    BankPlus
    Similarity Rank: 504
    Financial Federal Bank
    Similarity Rank: 882

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 645 $83,765,000 $129,868 $2,226 5.55%
    FHA 53 $8,845,000 $166,887 $6,111 4.35%
    USDA 23 $2,565,000 $111,522 $3,855 4.43%
    VA 19 $3,615,000 $190,263 $4,953 4.22%

    For 2018, Cb&s Bank's most frequently originated type of loan was Conventional, with 645 originations. Their 2nd most popular type was FHA, with 53 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 406 $68,640,000 $169,064 $3,490 4.94%
    Refi 227 $21,025,000 $92,621 $1,121 6.23%
    Other 45 $2,535,000 $56,333 $1,624 5.82%
    Cash Out Refi 41 $5,665,000 $138,171 $3,420 4.60%
    Home Improvement 21 $925,000 $44,048 $1,362 5.82%

    For 2018, Cb&s Bank's most frequently cited loan purpose was Home Purchase, with 406 originations. The 2nd most popular reason was Refi, with 227 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 343 $56,285,000 $164,096 $3,610 4.74%
    Other 213 $15,735,000 $73,873 $1,188 6.45%
    15 Year 62 $6,270,000 $101,129 $2,212 5.02%
    5 Year 45 $10,755,000 $239,000 $1,365 5.82%
    20 Year 36 $3,830,000 $106,389 $1,883 5.32%
    10 Year 15 $655,000 $43,667 $1,271 5.01%
    1 Year 14 $3,820,000 $272,857 $2,144 5.90%
    3 Year 12 $1,440,000 $120,000 $254 5.90%

    For 2018, Cb&s Bank's most frequently cited loan duration was 30 Year, with 343 originations. The 2nd most popular length was Other, with 213 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 382 $38,280,000 $100,209
    $1k-2k 131 $19,325,000 $147,519
    $2k-3k 46 $8,890,000 $193,261
    $3k-4k 14 $3,210,000 $229,286
    $4k-5k 11 $4,215,000 $383,182
    $5k+ 3 $955,000 $318,333

    Cb&s Bank's average total fees were $3,610, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 382 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 341 $53,975,000 $158,284
    5-6% 172 $18,090,000 $105,174
    6-7% 97 $6,935,000 $71,495
    3-4% 50 $16,720,000 $334,400
    7-8% 46 $2,060,000 $44,783
    Over 8% 33 $905,000 $27,424

    During 2018, Cb&s Bank's average interest rate for loans was 4.74%, while their most frequently originated rate bucket for loans was 4-5%, with 341 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 389 $18,735,000 $48,162 $1,562 5.94%
    $100k-200k 212 $30,030,000 $141,651 $3,413 4.89%
    $200k-400k 117 $29,865,000 $255,256 $4,359 4.60%
    $400k-600k 16 $7,350,000 $459,375 $4,315 4.95%
    $600k-1MM 4 $3,460,000 $865,000 $7,478 5.01%
    $1MM+ 2 $9,350,000 $4,675,000 $0 4.44%

    2018 saw Cb&s Bank place emphasis on $100,000 or less loans with 389 originations, totaling $18,735,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 251 $17,925,000 $71,414 $2,079 5.65%
    $50k-75k 178 $21,880,000 $122,921 $3,092 5.24%
    $100k-150k 106 $15,120,000 $142,642 $3,113 5.26%
    $75k-100k 87 $10,485,000 $120,517 $2,997 5.37%
    $150k-250k 46 $10,670,000 $231,957 $3,731 4.97%
    $250k+ 20 $5,560,000 $278,000 $3,579 5.11%

    Cb&s Bank lent most frequently to those with incomes in the $50k or less range, with 251 originations. The second most popular income band? $50k-75k, with 178 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 153 $17,105,000 $111,797 $2,604 5.51%
    30-36% 107 $12,505,000 $116,869 $2,640 5.17%
    <20% 99 $9,795,000 $98,939 $2,330 5.33%
    36% 24 $3,020,000 $125,833 $2,788 5.05%
    50-60% 24 $3,020,000 $125,833 $3,076 5.71%
    42% 23 $3,035,000 $131,957 $2,960 4.96%
    37% 21 $2,815,000 $134,048 $2,989 5.27%
    39% 20 $2,940,000 $147,000 $2,898 5.17%
    43% 20 $3,140,000 $157,000 $3,361 4.92%
    45% 20 $2,180,000 $109,000 $3,308 5.26%
    46% 20 $2,290,000 $114,500 $2,032 5.30%
    38% 17 $1,475,000 $86,765 $2,569 5.57%
    >60% 16 $780,000 $48,750 $715 6.88%
    41% 15 $2,025,000 $135,000 $2,944 5.15%
    47% 15 $2,165,000 $144,333 $3,343 5.48%
    40% 14 $2,010,000 $143,571 $3,556 5.55%
    44% 13 $2,405,000 $185,000 $4,072 5.10%
    48% 13 $1,895,000 $145,769 $4,198 4.87%
    49% 9 $1,955,000 $217,222 $4,395 4.82%

    Cb&s Bank lent most frequently to those with DTI ratios of 20-30%, with 153 originations. The next most common DTI ratio? 30-36%, with 107 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 606 $72,900,000 $120,297 $2,709 5.36%
    Not applicable 43 $16,125,000 $375,000 $237 5.49%
    Black 70 $6,790,000 $97,000 $2,772 5.78%
    Asian 11 $1,935,000 $175,909 $3,308 4.66%
    Not provided 7 $865,000 $123,571 $4,310 5.33%
    American Indian 3 $175,000 $58,333 $874 5.63%

    Approval Rates

    Total approvals of all applications
    85.23%

    Cb&s Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    78.65%

    Cb&s Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 740 $98,790,000 $133,500

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 7 $9,515,000 $1,359,286
    Single Family (1-4 Units):Manufactured 62 $1,930,000 $31,129
    Single Family (1-4 Units):Site-Built 671 $87,345,000 $130,171

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 76 $4,220,000 $55,526 $1,431 6.07%
    40-60% 104 $8,130,000 $78,173 $1,613 5.78%
    60-80% 251 $42,855,000 $170,737 $2,426 5.51%
    80-100% 265 $40,165,000 $151,566 $3,690 4.83%
    Over 100% 10 $2,180,000 $218,000 $4,159 4.98%
    Under 20% 33 $855,000 $25,909 $847 6.42%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    CIBC BANCORP USA INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%
    CIBC BANCORP USA INC. Conventional home mortgage Closing on a mortgage 1 33.3%
    CIBC BANCORP USA INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    CB&S Bank, Inc. 10081 Highway 114 Scotts Hill, TN 38374 Full Service B&M $6,616
    CB&S Bank, Inc. 102 West Fox Avenue Eupora, MS 39744 Full Service B&M $25,945
    CB&S Bank, Inc. 1045 First Street Cherokee, AL 35616 Full Service B&M $16,738
    CB&S Bank, Inc. 110 Alcorn Drive Corinth, MS 38834 Full Service B&M $17,046
    CB&S Bank, Inc. 11963 Alabama Highway 157 Moulton, AL 35650 Full Service B&M $64,169
    CB&S Bank, Inc. 1301 Doug Baker Boulevard Birmingham, AL 35242 Full Service B&M $9,362
    CB&S Bank, Inc. 131 South Main Street Cornersville, TN 37047 Full Service B&M $18,798
    CB&S Bank, Inc. 14015 Highway 43 Russellville, AL 35653 Full Service B&M $14,828
    CB&S Bank, Inc. 1422 Huntsville Highway Fayetteville, TN 37334 Full Service B&M $48,979
    CB&S Bank, Inc. 1424 6th Avenue Se Decatur, AL 35601 Full Service B&M $4,770
    CB&S Bank, Inc. 14331 Highway 15 North Ripley, MS 38663 Full Service B&M $23,360
    CB&S Bank, Inc. 1481 Highway 172 Hodges, AL 35571 Full Service B&M $10,507
    CB&S Bank, Inc. 15290 Us 43 Russellville, AL 35653 Full Service B&M $19,037
    CB&S Bank, Inc. 1701 Highway 1 South Greenville, MS 38701 Full Service B&M $5,492
    CB&S Bank, Inc. 1825 Beltline Road, Sw Decatur, AL 35601 Full Service B&M $12,070
    CB&S Bank, Inc. 200 South Harper Road Corinth, MS 38834 Full Service B&M $23,140
    CB&S Bank, Inc. 2000 East Avalon Avenue Muscle Shoals, AL 35661 Full Service B&M $37,781
    CB&S Bank, Inc. 201 South Jackson Street Russellville, AL 35653 Full Service B&M $148,217
    CB&S Bank, Inc. 237 East Main Street Adamsville, TN 38310 Full Service B&M $30,554
    CB&S Bank, Inc. 26314 Main Street Ardmore, TN 38449 Full Service B&M $14,827
    CB&S Bank, Inc. 28171 Highway 15 Walnut, MS 38683 Full Service B&M $19,306
    CB&S Bank, Inc. 2975 Hough Road Florence, AL 35630 Full Service B&M $49,876
    CB&S Bank, Inc. 30 West Main Street Hohenwald, TN 38462 Full Service B&M $32,363
    CB&S Bank, Inc. 301 John Lee Hooker Lane Clarksdale, MS 38614 Full Service B&M $53,226
    CB&S Bank, Inc. 307 West Madison Street Pulaski, TN 38478 Full Service B&M $30,812
    CB&S Bank, Inc. 320 South Pine Street Florence, AL 35630 Full Service B&M $66,447
    CB&S Bank, Inc. 325 Main Street Savannah, TN 38372 Full Service B&M $34,463
    CB&S Bank, Inc. 333 Church Street Town Creek, AL 35672 Full Service B&M $20,395
    CB&S Bank, Inc. 342 Washington Avenue Greenville, MS 38701 Full Service B&M $37,927
    CB&S Bank, Inc. 3425 West Main Street Tupelo, MS 38801 Full Service B&M $10,522
    CB&S Bank, Inc. 3571 Broad Street Phil Campbell, AL 35581 Full Service B&M $31,623
    CB&S Bank, Inc. 386 West Church Street Lexington, TN 38351 Full Service B&M $4,902
    CB&S Bank, Inc. 3869 Highway 12 West Sturgis, MS 39769 Full Service B&M $7,008
    CB&S Bank, Inc. 400 Fulton Street Greenwood, MS 38930 Full Service B&M $2,294
    CB&S Bank, Inc. 4009 University Drive Huntsville, AL 35816 Full Service B&M $8,091
    CB&S Bank, Inc. 407 4th Street Sw Red Bay, AL 35582 Full Service B&M $50,101
    CB&S Bank, Inc. 410 Water Street Savannah, TN 38372 Limited, Drive-thru $0
    CB&S Bank, Inc. 51 West Main Street Parsons, TN 38363 Full Service B&M $45,132
    CB&S Bank, Inc. 521 Madison Street Huntsville, AL 35801 Full Service B&M $13,645
    CB&S Bank, Inc. 5690 U.S. Highway 72 Killen, AL 35645 Full Service B&M $32,049
    CB&S Bank, Inc. 6104 University Drive Huntsville, AL 35806 Full Service B&M $4,760
    CB&S Bank, Inc. 6388 Us Highway 431 Owens Cross Roads, AL 35763 Full Service B&M $4,649
    CB&S Bank, Inc. 706 South Church Street Murfreesboro, TN 37130 Full Service B&M $14,907
    CB&S Bank, Inc. 724 West Market Street Bolivar, TN 38008 Full Service B&M $35,160
    CB&S Bank, Inc. 731 Mulberry Avenue Selmer, TN 38375 Full Service B&M $22,656
    CB&S Bank, Inc. 771 North Ellington Parkway Lewisburg, TN 37091 Full Service B&M $16,385
    CB&S Bank, Inc. 8018 Highway 72 Madison, AL 35758 Full Service B&M $13,376
    CB&S Bank, Inc. 820 West Park Avenue Greenwood, MS 38930 Full Service B&M $73,340
    CB&S Bank, Inc. 901 S. Gloster Street Tupelo, MS 38801 Full Service B&M $1,642
    CB&S Bank, Inc. Bass Street And Highway 64 Whiteville, TN 38075 Full Service B&M $9,007
    CB&S Bank, Inc. Highways 12 And 25 Starkville, MS 39759 Full Service B&M $49,471

    For 2018, Cb&s Bank had 51 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $60,075
    Net interest income $51,931
    Total noninterest income $15,408
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $6,330
    Trading account gains and fees $0
    Additional Noninterest Income $9,078
    Pre-tax net operating income $17,083
    Securities gains (or losses, -) $-377
    Income before extraordinary items $14,816
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $14,816
    Minority interest net income $0
    Net income $14,816
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $15,151

    Cb&s Bank's gross interest income from loans was $60,075,000.
    Cb&s Bank's net interest income from loans was $51,931,000.
    Cb&s Bank's fee based income from loans was $6,330,000.
    Cb&s Bank's net income from loans was $14,816,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $8,144
    Provision for credit losses $1,867
    Total noninterest expense $48,389
    Salaries and employee benefits $25,622
    Premises and equipment expense $7,709
    Additional noninterest expense $15,058
    Applicable income taxes $1,890
    Net charge-offs $1,421
    Cash dividends $1,300

    Cb&s Bank's interest expense for loans was $8,144,000.
    Cb&s Bank's payroll and benefits expense were $25,622,000.
    Cb&s Bank's property, plant and equipment expenses $7,709,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 2.0%
    Construction & Land Development loans 7.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 1.0%
    All other family 1.0%
    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 $1,378,845
    Deposits held in domestic offices $1,378,845
    Deposits by Individuals, partnerships, and corporations $1,218,363
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $160,482
    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 $56,928
    Demand deposits $25,039
    Nontransaction accounts $1,321,917
    Money market deposit accounts (MMDAs) $837,010
    Other savings deposits (excluding MMDAs) $205,217
    Total time deposits $279,689
    Total time and savings deposits $1,353,806
    Noninterest-bearing deposits $25,039
    Interest-bearing deposits $1,353,806
    Retail deposits $1,308,129
    IRAs and Keogh plan accounts $52,287
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,655,537
    Cash & Balances due from depository institutions $65,470
    Interest-bearing balances $34,708
    Total securities $681,209
    Federal funds sold & reverse repurchase $40,000
    Net loans and leases $751,658
    Loan and leases loss allowance $8,007
    Trading account assets $0
    Bank premises and fixed assets $32,461
    Other real estate owned $4,046
    Goodwill and other intangibles $10,401
    All other assets $70,292

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,655,537
    Total Liabilities $1,456,427
    Total deposits $1,378,845
    Interest-bearing deposits $1,353,806
    Deposits held in domestic offices $1,378,845
    % insured (estimated) $73
    Federal funds purchased and repurchase agreements $11,566
    Trading liabilities $0
    Other borrowed funds $60,347
    Subordinated debt $0
    All other liabilities $5,669

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $751,658
    Loan and leases loss allowance $8,007
    Total loans and leases (domestic) $759,665
    All real estate loans $621,177
    Real estate loans in domestic offices $621,177
    Construction and development loans $97,201
    Residential 1-4 family construction $22,244
    Other construction, all land development and other land $74,957
    Loans secured by nonfarm nonresidential properties $263,553
    Nonfarm nonresidential secured by owner-occupied properties $118,072
    Commercial real estate & other non-farm, non-residential $145,481
    Multifamily residential real estate $40,016
    1-4 family residential loans $192,012
    Farmland loans $28,395
    Loans held in foreign offices $0
    Farm loans $14,444
    Commercial and industrial loans $88,253
    To non-U.S. addressees $0
    Loans to individuals $27,413
    Credit card loans $1,298
    Related Plans $1,253
    Consumer Auto Loans $7,863
    Other loans to individuals $16,999
    All other loans & leases $8,378
    Loans to foreign governments and official institutions $0
    Other loans $3,122
    Loans to depository institutions and acceptances of other banks $2,000
    Loans not secured by real estate $1,931
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $3,751
    Non 1-4 family restructured loans & leases $3,444
    Total loans and leases (foreign) $0

    CB&S Bank had $751,658,000 of loans outstanding in 2018. $621,177,000 of loans were in real estate loans. $97,201,000 of loans were in development loans. $40,016,000 of loans were in multifamily mortgage loans. $192,012,000 of loans were in 1-4 family mortgage loans. $14,444,000 of loans were in farm loans. $1,298,000 of loans were in credit card loans. $7,863,000 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 600 $120,729 $201,215
    Nonfarm, nonresidential loans - <$100k 196 $7,357 $37,536
    Nonfarm, nonresidential loans - $100-250k 184 $21,696 $117,913
    Nonfarm, nonresidential loans - $250k-1MM 220 $91,676 $416,709
    Commercial & Industrial, US addressed loans - <$1MM 660 $44,529 $67,468
    Commercial & Industrial, US addressed loans - <$100k 515 $14,192 $27,557
    Commercial & Industrial, US addressed loans - $100-250k 91 $9,285 $102,033
    Commercial & Industrial, US addressed loans - $250k-1MM 54 $21,052 $389,852
    Farmland loans - <$1MM 127 $10,667 $83,992
    Farmland loans - <$100k 88 $3,516 $39,955
    Farmland loans - $100-250k 29 $3,496 $120,552
    Farmland loans - $250k-1MM 10 $3,655 $365,500
    Agriculture operations loans - <$1MM 224 $7,837 $34,987
    Agriculture operations loans - <$100k 197 $3,795 $19,264
    Agriculture operations loans - $100-250k 17 $1,677 $98,647
    Agriculture operations loans - $250k-1MM 10 $2,365 $236,500