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, Huntsville, Florence, Decatur, and Nashville among others. We have data for 42 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% 4/21/24
    30 Year Conventional Purchase 6.96% 4/21/24
    30 Year Conventional Refi 7.34% 4/21/24
    30 Year Cash-out Refi 6.67% 4/21/24
    30 Year FHA Purchase 7.22% 4/21/24
    30 Year FHA Refi 6.27% 4/21/24
    30 Year VA Purchase 6.16% 4/21/24
    30 Year USDA Purchase 6.71% 4/21/24
    15 Year Conventional Purchase 6.87% 4/21/24
    15 Year Conventional Refi 7.20% 4/21/24
    15 Year Cash-out Refi 7.20% 4/21/24
    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

    790

    Origination Dollar Volume (All Markets)

    $103,150,000

    Employee count

    517 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 300 $27,100,000 $90,333 $2,136 5.69%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 76 $13,500,000 $177,632 $4,158 4.19%
    HUNTSVILLE, AL (FHA|USDA|VA) 68 $10,290,000 $151,324 $3,055 5.26%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 53 $7,595,000 $143,302 $2,235 5.16%
    DECATUR, AL (FHA|USDA|VA) 59 $7,585,000 $128,559 $2,248 5.55%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 25 $7,305,000 $292,200 $3,676 5.12%
    Tupelo, MS (FHA|USDA|VA) 28 $4,200,000 $150,000 $2,624 4.98%
    MONTGOMERY, AL (FHA|USDA|VA) 28 $4,100,000 $146,429 $3,121 5.22%
    Starkville, MS (FHA|USDA|VA) 21 $2,405,000 $114,524 $2,859 5.07%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 11 $2,225,000 $202,273 $6,225 4.15%
    Cullman, AL (FHA|USDA|VA) 10 $1,950,000 $195,000 $3,807 4.80%
    Corinth, MS (FHA|USDA|VA) 16 $1,670,000 $104,375 $2,791 5.89%
    Clarksdale, MS (FHA|USDA|VA) 12 $1,440,000 $120,000 $2,911 4.99%
    Lewisburg, TN (FHA|USDA|VA) 15 $1,265,000 $84,333 $3,347 6.52%
    Atmore, AL (FHA|USDA|VA) 2 $1,120,000 $560,000 $2,372 5.22%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $925,000 $308,333 $0 5.36%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 3 $865,000 $288,333 $6,177 4.48%
    JACKSON, MS (FHA|USDA|VA) 7 $825,000 $117,857 $2,886 4.66%
    Alexander City, AL (FHA|USDA|VA) 5 $815,000 $163,000 $2,021 5.21%
    TUSCALOOSA, AL (FHA|USDA|VA) 4 $700,000 $175,000 $2,608 4.69%
    Lawrenceburg, TN (FHA|USDA|VA) 4 $690,000 $172,500 $3,104 4.09%
    Shelbyville, TN (FHA|USDA|VA) 4 $650,000 $162,500 $3,312 4.73%
    BOWLING GREEN, KY (FHA|USDA|VA) 1 $415,000 $415,000 $14,165 3.99%
    Greenville, MS (FHA|USDA|VA) 8 $350,000 $43,750 $1,802 7.04%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $330,000 $165,000 $3,274 4.72%
    Albertville, AL (FHA|USDA|VA) 2 $270,000 $135,000 $1,265 5.38%
    Greenwood, MS (FHA|USDA|VA) 4 $250,000 $62,500 $1,579 6.05%
    Jasper, AL (FHA|USDA|VA) 1 $235,000 $235,000 $3,494 3.63%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $215,000 $215,000 $5,562 4.75%
    Scottsboro, AL (FHA|USDA|VA) 1 $215,000 $215,000 $2,195 3.75%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $200,000 $100,000 $3,578 3.88%
    JACKSON, TN (FHA|USDA|VA) 3 $195,000 $65,000 $2,480 5.26%
    Cleveland, MS (FHA|USDA|VA) 1 $175,000 $175,000 $7,141 4.13%
    Vicksburg, MS (FHA|USDA|VA) 1 $175,000 $175,000 $6,019 3.50%
    KNOXVILLE, TN (FHA|USDA|VA) 2 $150,000 $75,000 $2,090 6.96%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $145,000 $145,000 $2,551 4.13%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $145,000 $145,000 $1,413 5.56%
    McMinnville, TN (FHA|USDA|VA) 1 $135,000 $135,000 $2,641 3.63%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.13%
    Enterprise, AL (FHA|USDA|VA) 1 $85,000 $85,000 $2,297 4.00%
    Columbus, MS (FHA|USDA|VA) 1 $65,000 $65,000 $4,161 3.50%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.16%
    Cb&s Bank's top markets include Birmingham, Huntsville, Florence, Decatur, and Nashville among others.

    Their top states include:
  • Alabama (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Mississippi (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Kentucky (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.

    AMERICA'S FIRST
    Similarity Rank: 80
    TVA Community Credit Union
    Similarity Rank: 91
    Alabama Central Credit Union
    Similarity Rank: 119
    The First National Bank of Middle Tennessee
    Similarity Rank: 204
    ASCEND FEDERAL CREDIT UNION
    Similarity Rank: 224
    Listerhill Credit Union
    Similarity Rank: 348
    MAX Credit Union
    Similarity Rank: 392
    Guardian Credit Union
    Similarity Rank: 605
    Liberty Mortgage Corporation
    Similarity Rank: 748
    Eco Credit Union
    Similarity Rank: 805

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 694 $88,720,000 $127,839 $2,276 5.52%
    FHA 46 $7,130,000 $155,000 $5,694 3.82%
    USDA 31 $3,345,000 $107,903 $3,738 3.85%
    VA 18 $3,780,000 $210,000 $6,348 3.50%
    HELOC 1 $175,000 $175,000 n/a 7.50%

    For 2019, Cb&s Bank's most frequently originated type of loan was Conventional, with 694 originations. Their 2nd most popular type was FHA, with 46 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 411 $67,625,000 $164,538 $3,489 4.59%
    Refi 296 $28,220,000 $95,338 $1,527 6.23%
    Other 37 $1,975,000 $53,378 $1,562 6.43%
    Cash Out Refi 30 $4,830,000 $161,000 $3,050 3.93%
    Home Improvement 16 $500,000 $31,250 $1,198 6.98%

    For 2019, Cb&s Bank's most frequently cited loan purpose was Home Purchase, with 411 originations. The 2nd most popular reason was Refi, with 296 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 363 $64,765,000 $178,416 $3,530 4.27%
    Other 181 $11,075,000 $61,188 $1,005 6.84%
    5 Year 81 $9,405,000 $116,111 $1,095 6.68%
    15 Year 79 $9,855,000 $124,747 $2,259 4.73%
    20 Year 46 $4,870,000 $105,870 $2,207 5.29%
    10 Year 22 $1,410,000 $64,091 $1,146 6.03%
    1 Year 10 $1,380,000 $138,000 $2,402 6.24%
    3 Year 8 $390,000 $48,750 $600 7.22%

    For 2019, Cb&s Bank's most frequently cited loan duration was 30 Year, with 363 originations. The 2nd most popular length was Other, with 181 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 457 $54,585,000 $119,442
    $1k-2k 89 $13,355,000 $150,056
    $2k-3k 31 $6,725,000 $216,935
    $3k-4k 16 $4,700,000 $293,750
    $4k-5k 5 $1,975,000 $395,000
    $5k+ 1 $565,000 $565,000

    Cb&s Bank's average total fees were $3,530, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 457 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 232 $43,300,000 $186,638
    4-5% 174 $26,490,000 $152,241
    5-6% 136 $19,960,000 $146,765
    6-7% 135 $8,565,000 $63,444
    Over 8% 68 $2,110,000 $31,029
    7-8% 39 $1,565,000 $40,128
    2.5-3% 6 $1,160,000 $193,333

    During 2019, Cb&s Bank's average interest rate for loans was 4.27%, while their most frequently originated rate bucket for loans was 3-4%, with 232 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 402 $19,190,000 $47,736 $1,635 6.24%
    $100k-200k 228 $33,230,000 $145,746 $3,322 4.39%
    $200k-400k 135 $36,365,000 $269,370 $3,872 4.25%
    $400k-600k 19 $8,855,000 $466,053 $6,047 4.28%
    $600k-1MM 4 $2,930,000 $732,500 $653 5.75%
    $1MM+ 2 $2,580,000 $1,290,000 $0 5.50%

    2019 saw Cb&s Bank place emphasis on $100,000 or less loans with 402 originations, totaling $19,190,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 269 $19,815,000 $73,662 $2,140 5.74%
    $50k-75k 149 $16,305,000 $109,430 $2,960 4.98%
    $100k-150k 118 $20,050,000 $169,915 $3,368 5.03%
    $75k-100k 87 $13,645,000 $156,839 $3,127 4.83%
    $150k-250k 54 $12,350,000 $228,704 $3,620 4.82%
    $250k+ 26 $5,940,000 $228,462 $3,724 5.12%

    Cb&s Bank lent most frequently to those with incomes in the $50k or less range, with 269 originations. The second most popular income band? $50k-75k, with 149 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 186 $23,230,000 $124,892 $2,768 5.13%
    30-36% 106 $13,540,000 $127,736 $2,894 4.98%
    <20% 103 $11,105,000 $107,816 $2,247 5.16%
    50-60% 29 $3,875,000 $133,621 $3,790 5.22%
    39% 22 $2,730,000 $124,091 $2,551 5.42%
    41% 21 $2,715,000 $129,286 $2,286 4.81%
    36% 21 $2,665,000 $126,905 $2,644 5.00%
    43% 20 $3,060,000 $153,000 $2,448 5.48%
    37% 20 $2,530,000 $126,500 $3,235 5.36%
    44% 15 $2,175,000 $145,000 $3,243 4.43%
    45% 15 $2,345,000 $156,333 $3,591 4.70%
    38% 14 $1,260,000 $90,000 $2,827 5.04%
    >60% 13 $905,000 $69,615 $944 8.39%
    46% 13 $1,545,000 $118,846 $2,513 5.63%
    48% 13 $1,965,000 $151,154 $3,089 4.52%
    40% 12 $2,720,000 $226,667 $4,121 4.43%
    42% 12 $1,770,000 $147,500 $2,761 5.21%
    47% 10 $1,910,000 $191,000 $2,818 5.28%
    49% 6 $700,000 $116,667 $2,103 4.87%

    Cb&s Bank lent most frequently to those with DTI ratios of 20-30%, with 186 originations. The next most common DTI ratio? 30-36%, with 106 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 664 $84,850,000 $127,786 $2,731 5.24%
    Not applicable 61 $12,015,000 $196,967 $0 6.06%
    Black 43 $2,915,000 $67,791 $2,395 5.86%
    Asian 11 $1,995,000 $181,364 $3,277 4.24%
    Not provided 10 $1,230,000 $123,000 $3,709 4.71%
    Chinese 1 $145,000 $145,000 $2,904 4.86%

    Approval Rates

    Total approvals of all applications
    87.77%

    Cb&s Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    83.04%

    Cb&s Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 790 $103,150,000 $130,570

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 4 $1,650,000 $412,500
    Multifamily:Site-Built 13 $3,955,000 $304,231
    Single Family (1-4 Units):Manufactured 60 $1,970,000 $32,833
    Single Family (1-4 Units):Site-Built 713 $95,575,000 $134,046

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 88 $5,870,000 $66,705 $1,120 6.45%
    40-60% 126 $11,900,000 $94,444 $1,920 6.14%
    60-80% 261 $35,355,000 $135,460 $2,378 5.32%
    80-100% 282 $46,330,000 $164,291 $3,457 4.55%
    Over 100% 13 $3,025,000 $232,692 $7,741 4.21%
    Under 20% 19 $595,000 $31,316 $936 6.52%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    CIBC BANCORP USA INC. Home equity loan or line of credit (HELOC) Trouble during payment process 1 100.0%

    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 $6,020
    CB&S Bank, Inc. 102 West Fox Avenue Eupora, MS 39744 Full Service B&M $26,510
    CB&S Bank, Inc. 1045 First Street Cherokee, AL 35616 Full Service B&M $15,481
    CB&S Bank, Inc. 110 Alcorn Drive Corinth, MS 38834 Full Service B&M $16,511
    CB&S Bank, Inc. 11963 Alabama Highway 157 Moulton, AL 35650 Full Service B&M $61,689
    CB&S Bank, Inc. 1301 Doug Baker Boulevard Birmingham, AL 35242 Full Service B&M $15,415
    CB&S Bank, Inc. 131 South Main Street Cornersville, TN 37047 Full Service B&M $18,215
    CB&S Bank, Inc. 14015 Highway 43 Russellville, AL 35653 Full Service B&M $15,255
    CB&S Bank, Inc. 1422 Huntsville Highway Fayetteville, TN 37334 Full Service B&M $43,668
    CB&S Bank, Inc. 1424 6th Avenue Se Decatur, AL 35601 Full Service B&M $8,922
    CB&S Bank, Inc. 14331 Highway 15 North Ripley, MS 38663 Full Service B&M $22,415
    CB&S Bank, Inc. 1481 Highway 172 Hodges, AL 35571 Full Service B&M $11,003
    CB&S Bank, Inc. 15290 Us 43 Russellville, AL 35653 Full Service B&M $18,381
    CB&S Bank, Inc. 164 Cason Lane Murfreesboro, TN 37128 Full Service B&M $46
    CB&S Bank, Inc. 1701 Highway 1 South Greenville, MS 38701 Full Service B&M $9,158
    CB&S Bank, Inc. 1825 Beltline Road, Sw Decatur, AL 35601 Full Service B&M $14,345
    CB&S Bank, Inc. 200 South Harper Road Corinth, MS 38834 Full Service B&M $23,660
    CB&S Bank, Inc. 2000 East Avalon Avenue Muscle Shoals, AL 35661 Full Service B&M $40,825
    CB&S Bank, Inc. 201 South Jackson Street Russellville, AL 35653 Full Service B&M $146,900
    CB&S Bank, Inc. 237 East Main Street Adamsville, TN 38310 Full Service B&M $30,223
    CB&S Bank, Inc. 26314 Main Street Ardmore, TN 38449 Full Service B&M $13,884
    CB&S Bank, Inc. 28171 Highway 15 Walnut, MS 38683 Full Service B&M $18,840
    CB&S Bank, Inc. 2975 Hough Road Florence, AL 35630 Full Service B&M $58,867
    CB&S Bank, Inc. 30 West Main Street Hohenwald, TN 38462 Full Service B&M $33,013
    CB&S Bank, Inc. 301 John Lee Hooker Lane Clarksdale, MS 38614 Full Service B&M $45,082
    CB&S Bank, Inc. 307 West Madison Street Pulaski, TN 38478 Full Service B&M $31,853
    CB&S Bank, Inc. 320 South Pine Street Florence, AL 35630 Full Service B&M $67,242
    CB&S Bank, Inc. 325 Main Street Savannah, TN 38372 Full Service B&M $34,112
    CB&S Bank, Inc. 333 Church Street Town Creek, AL 35672 Full Service B&M $20,159
    CB&S Bank, Inc. 342 Washington Avenue Greenville, MS 38701 Full Service B&M $37,701
    CB&S Bank, Inc. 3425 West Main Street Tupelo, MS 38801 Full Service B&M $10,775
    CB&S Bank, Inc. 3571 Broad Street Phil Campbell, AL 35581 Full Service B&M $34,004
    CB&S Bank, Inc. 3869 Highway 12 West Sturgis, MS 39769 Full Service B&M $8,273
    CB&S Bank, Inc. 400 Fulton Street Greenwood, MS 38930 Full Service B&M $2,599
    CB&S Bank, Inc. 407 4th Street Sw Red Bay, AL 35582 Full Service B&M $54,295
    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 $43,274
    CB&S Bank, Inc. 521 Madison Street Huntsville, AL 35801 Full Service B&M $17,406
    CB&S Bank, Inc. 5690 U.S. Highway 72 Killen, AL 35645 Full Service B&M $32,170
    CB&S Bank, Inc. 6104 University Drive Huntsville, AL 35806 Full Service B&M $12,011
    CB&S Bank, Inc. 6388 Us Highway 431 Owens Cross Roads, AL 35763 Full Service B&M $4,967
    CB&S Bank, Inc. 706 South Church Street Murfreesboro, TN 37130 Full Service B&M $22,638
    CB&S Bank, Inc. 724 West Market Street Bolivar, TN 38008 Full Service B&M $34,459
    CB&S Bank, Inc. 731 Mulberry Avenue Selmer, TN 38375 Full Service B&M $21,325
    CB&S Bank, Inc. 771 North Ellington Parkway Lewisburg, TN 37091 Full Service B&M $17,834
    CB&S Bank, Inc. 8018 Highway 72 Madison, AL 35758 Full Service B&M $13,329
    CB&S Bank, Inc. 820 West Park Avenue Greenwood, MS 38930 Full Service B&M $76,206
    CB&S Bank, Inc. 901 S. Gloster Street Tupelo, MS 38801 Full Service B&M $1,749
    CB&S Bank, Inc. Bass Street And Highway 64 Whiteville, TN 38075 Full Service B&M $9,708
    CB&S Bank, Inc. Highways 12 And 25 Starkville, MS 39759 Full Service B&M $49,234

    For 2019, Cb&s Bank had 50 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $69,214
    Net interest income $57,627
    Total noninterest income $16,428
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $6,390
    Trading account gains and fees $0
    Additional Noninterest Income $10,038
    Pre-tax net operating income $20,128
    Securities gains (or losses, -) $465
    Income before extraordinary items $17,628
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $17,628
    Minority interest net income $0
    Net income $17,628
    Sale, conversion, retirement of capital stock, net $36,888
    Net operating income $17,228

    Cb&s Bank's gross interest income from loans was $69,214,000.
    Cb&s Bank's net interest income from loans was $57,627,000.
    Cb&s Bank's fee based income from loans was $6,390,000.
    Cb&s Bank's net income from loans was $17,628,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $11,587
    Provision for credit losses $2,576
    Total noninterest expense $51,351
    Salaries and employee benefits $27,028
    Premises and equipment expense $8,174
    Additional noninterest expense $16,149
    Applicable income taxes $2,965
    Net charge-offs $1,339
    Cash dividends $35,300

    Cb&s Bank's interest expense for loans was $11,587,000.
    Cb&s Bank's payroll and benefits expense were $27,028,000.
    Cb&s Bank's property, plant and equipment expenses $8,174,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 5.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    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 $1,593,938
    Deposits held in domestic offices $1,593,938
    Deposits by Individuals, partnerships, and corporations $1,397,838
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $196,100
    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 $63,216
    Demand deposits $28,566
    Nontransaction accounts $1,530,722
    Money market deposit accounts (MMDAs) $928,014
    Other savings deposits (excluding MMDAs) $228,342
    Total time deposits $374,368
    Total time and savings deposits $1,565,372
    Noninterest-bearing deposits $28,566
    Interest-bearing deposits $1,565,372
    Retail deposits $1,497,141
    IRAs and Keogh plan accounts $63,135
    Brokered deposits $1,985
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,898,751
    Cash & Balances due from depository institutions $78,126
    Interest-bearing balances $49,132
    Total securities $750,565
    Federal funds sold & reverse repurchase $0
    Net loans and leases $932,098
    Loan and leases loss allowance $9,582
    Trading account assets $0
    Bank premises and fixed assets $37,595
    Other real estate owned $6,051
    Goodwill and other intangibles $27,483
    All other assets $66,833

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,898,751
    Total Liabilities $1,663,578
    Total deposits $1,593,938
    Interest-bearing deposits $1,565,372
    Deposits held in domestic offices $1,593,938
    % insured (estimated) $73
    Federal funds purchased and repurchase agreements $12,869
    Trading liabilities $0
    Other borrowed funds $45,765
    Subordinated debt $0
    All other liabilities $11,006

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $932,098
    Loan and leases loss allowance $9,582
    Total loans and leases (domestic) $941,680
    All real estate loans $768,909
    Real estate loans in domestic offices $768,909
    Construction and development loans $135,149
    Residential 1-4 family construction $40,294
    Other construction, all land development and other land $94,855
    Loans secured by nonfarm nonresidential properties $338,852
    Nonfarm nonresidential secured by owner-occupied properties $137,404
    Commercial real estate & other non-farm, non-residential $201,448
    Multifamily residential real estate $24,489
    1-4 family residential loans $226,617
    Farmland loans $43,802
    Loans held in foreign offices $0
    Farm loans $16,748
    Commercial and industrial loans $114,988
    To non-U.S. addressees $0
    Loans to individuals $29,584
    Credit card loans $1,475
    Related Plans $752
    Consumer Auto Loans $8,929
    Other loans to individuals $18,428
    All other loans & leases $11,450
    Loans to foreign governments and official institutions $0
    Other loans $5,175
    Loans to depository institutions and acceptances of other banks $1,800
    Loans not secured by real estate $2,633
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $2,599
    Non 1-4 family restructured loans & leases $2,325
    Total loans and leases (foreign) $0

    CB&S Bank had $932,098,000 of loans outstanding in 2019. $768,909,000 of loans were in real estate loans. $135,149,000 of loans were in development loans. $24,489,000 of loans were in multifamily mortgage loans. $226,617,000 of loans were in 1-4 family mortgage loans. $16,748,000 of loans were in farm loans. $1,475,000 of loans were in credit card loans. $8,929,000 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 778 $166,485 $213,991
    Nonfarm, nonresidential loans - <$100k 228 $9,307 $40,820
    Nonfarm, nonresidential loans - $100-250k 241 $28,942 $120,091
    Nonfarm, nonresidential loans - $250k-1MM 309 $128,236 $415,003
    Commercial & Industrial, US addressed loans - <$1MM 1,155 $58,921 $51,014
    Commercial & Industrial, US addressed loans - <$100k 946 $22,477 $23,760
    Commercial & Industrial, US addressed loans - $100-250k 133 $13,346 $100,346
    Commercial & Industrial, US addressed loans - $250k-1MM 76 $23,098 $303,921
    Farmland loans - <$1MM 196 $17,875 $91,199
    Farmland loans - <$100k 105 $4,091 $38,962
    Farmland loans - $100-250k 69 $8,104 $117,449
    Farmland loans - $250k-1MM 22 $5,680 $258,182
    Agriculture operations loans - <$1MM 273 $10,176 $37,275
    Agriculture operations loans - <$100k 237 $5,105 $21,540
    Agriculture operations loans - $100-250k 25 $2,889 $115,560
    Agriculture operations loans - $250k-1MM 11 $2,182 $198,364