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 a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Birmingham, Huntsville, Decatur, Florence, and Nashville among others. We have data for 40 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

    1,025

    Origination Dollar Volume (All Markets)

    $178,015,000

    Employee count

    534 Show all (16) 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 330 $37,410,000 $113,364 $2,347 4.34%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 124 $31,170,000 $251,371 $3,777 2.74%
    HUNTSVILLE, AL (FHA|USDA|VA) 120 $23,530,000 $196,083 $3,171 3.59%
    DECATUR, AL (FHA|USDA|VA) 81 $12,985,000 $160,309 $2,864 3.74%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 73 $11,915,000 $163,219 $2,608 3.70%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 19 $8,235,000 $433,421 $2,999 3.38%
    TUSCALOOSA, AL (FHA|USDA|VA) 9 $7,795,000 $866,111 $2,855 3.08%
    Corinth, MS (FHA|USDA|VA) 43 $6,555,000 $152,442 $3,190 3.70%
    MONTGOMERY, AL (FHA|USDA|VA) 36 $6,030,000 $167,500 $2,647 4.10%
    Tupelo, MS (FHA|USDA|VA) 38 $5,070,000 $133,421 $2,521 4.04%
    Clarksdale, MS (FHA|USDA|VA) 26 $3,710,000 $142,692 $2,583 3.32%
    Lewisburg, TN (FHA|USDA|VA) 16 $2,680,000 $167,500 $3,964 4.68%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 5 $1,915,000 $383,000 $2,738 3.48%
    Cullman, AL (FHA|USDA|VA) 7 $1,785,000 $255,000 $3,370 2.98%
    Starkville, MS (FHA|USDA|VA) 10 $1,430,000 $143,000 $3,848 2.98%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $1,385,000 $277,000 $4,876 3.78%
    Scottsboro, AL (FHA|USDA|VA) 3 $1,325,000 $441,667 $2,425 3.37%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 4 $1,320,000 $330,000 $3,569 2.88%
    Cleveland, MS (FHA|USDA|VA) 3 $1,245,000 $415,000 $5,103 4.32%
    Alexander City, AL (FHA|USDA|VA) 7 $1,215,000 $173,571 $1,582 4.60%
    Greenwood, MS (FHA|USDA|VA) 11 $1,155,000 $105,000 $2,256 4.22%
    Greenville, MS (FHA|USDA|VA) 13 $1,055,000 $81,154 $1,869 5.05%
    JACKSON, TN (FHA|USDA|VA) 8 $1,010,000 $126,250 $2,797 4.51%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 4 $600,000 $150,000 $3,318 3.22%
    Columbus, MS (FHA|USDA|VA) 4 $600,000 $150,000 $2,985 2.78%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 4 $590,000 $147,500 $3,069 3.40%
    Sevierville, TN (FHA|USDA|VA) 2 $570,000 $285,000 $0 3.69%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 3 $545,000 $181,667 $3,030 2.96%
    PANAMA CITY, FL (FHA|USDA|VA) 3 $485,000 $161,667 $2,256 5.25%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $410,000 $205,000 $5,127 3.24%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $365,000 $365,000 $0 5.00%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $365,000 $365,000 $3,630 2.75%
    BEND, OR (FHA|USDA|VA) 1 $355,000 $355,000 $3,705 2.88%
    MOBILE, AL (FHA|USDA|VA) 1 $315,000 $315,000 $2,886 2.25%
    Albertville, AL (FHA|USDA|VA) 2 $290,000 $145,000 $2,793 2.94%
    Lawrenceburg, TN (FHA|USDA|VA) 1 $195,000 $195,000 $6,353 2.50%
    Jasper, AL (FHA|USDA|VA) 2 $150,000 $75,000 $1,739 4.48%
    Dyersburg, TN (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.00%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $85,000 $85,000 $2,995 2.75%
    Brownsville, TN (FHA|USDA|VA) 1 $75,000 $75,000 $2,531 3.38%
    Cb&s Bank's top markets include Birmingham, Huntsville, Decatur, Florence, and Nashville among others.

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

    Florence Federal Credit Union
    Similarity Rank: 43
    TVA Community Credit Union
    Similarity Rank: 171
    The First National Bank of Middle Tennessee
    Similarity Rank: 318
    ASCEND FEDERAL CREDIT UNION
    Similarity Rank: 341
    CapStar Bank
    Similarity Rank: 415
    Listerhill Credit Union
    Similarity Rank: 640
    Liberty Mortgage Corporation
    Similarity Rank: 675
    Jefferson Credit Union
    Similarity Rank: 900
    Leaders Credit Union
    Similarity Rank: 1050
    Financial Federal Bank
    Similarity Rank: 1410

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 934 $160,910,000 $172,281 $2,577 3.93%
    FHA 31 $5,925,000 $191,129 $5,737 2.50%
    USDA 31 $4,185,000 $135,000 $4,066 2.67%
    VA 29 $6,995,000 $241,207 $5,024 2.53%

    For 2021, Cb&s Bank's most frequently originated type of loan was Conventional, with 934 originations. Their 2nd most popular type was FHA, with 31 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 492 $94,690,000 $192,459 $3,346 3.58%
    Refi 370 $58,210,000 $157,324 $2,150 4.24%
    Cash Out Refi 118 $22,140,000 $187,627 $3,071 2.78%
    Home Improvement 25 $1,605,000 $64,200 $1,978 5.19%
    Other 20 $1,370,000 $68,500 $1,658 5.89%

    For 2021, Cb&s Bank's most frequently cited loan purpose was Home Purchase, with 492 originations. The 2nd most popular reason was Refi, with 370 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 522 $104,280,000 $199,770 $3,327 3.14%
    Other 185 $14,045,000 $75,919 $1,273 6.00%
    15 Year 154 $24,220,000 $157,273 $2,554 2.90%
    5 Year 80 $20,360,000 $254,500 $985 4.68%
    20 Year 45 $7,675,000 $170,556 $2,561 3.75%
    10 Year 23 $4,345,000 $188,913 $2,031 3.78%
    1 Year 9 $2,485,000 $276,111 $2,646 4.73%
    3 Year 7 $605,000 $86,429 $0 5.63%

    For 2021, Cb&s Bank's most frequently cited loan duration was 30 Year, with 522 originations. The 2nd most popular length was Other, with 185 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 647 $103,955,000 $160,672
    $1k-2k 90 $15,530,000 $172,556
    $2k-3k 63 $13,985,000 $221,984
    $3k-4k 13 $4,135,000 $318,077
    $4k-5k 8 $3,050,000 $381,250
    $5k+ 5 $1,705,000 $341,000

    Cb&s Bank's average total fees were $3,327, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 647 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 260 $52,490,000 $201,885
    <2.5% 234 $46,240,000 $197,607
    3-4% 204 $49,600,000 $243,137
    4-5% 112 $16,540,000 $147,679
    5-6% 96 $6,690,000 $69,688
    6-7% 61 $3,895,000 $63,852
    7-8% 31 $1,565,000 $50,484
    Over 8% 27 $995,000 $36,852

    During 2021, Cb&s Bank's average interest rate for loans was 3.14%, while their most frequently originated rate bucket for loans was 2.5-3%, with 260 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 350 $18,370,000 $52,486 $1,616 5.12%
    $100k-200k 333 $47,875,000 $143,769 $2,960 3.24%
    $200k-400k 297 $80,205,000 $270,051 $3,639 3.00%
    $400k-600k 31 $14,705,000 $474,355 $4,053 3.04%
    $600k-1MM 10 $7,790,000 $779,000 $3,384 3.73%
    $1MM+ 4 $9,070,000 $2,267,500 $0 3.81%

    2021 saw Cb&s Bank place emphasis on $100,000 or less loans with 350 originations, totaling $18,370,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 248 $23,180,000 $93,468 $2,335 4.27%
    $50k-75k 208 $29,290,000 $140,817 $2,922 3.75%
    $100k-150k 171 $35,145,000 $205,526 $3,061 3.45%
    $75k-100k 128 $23,650,000 $184,766 $3,161 3.42%
    $150k-250k 97 $23,705,000 $244,381 $3,414 3.57%
    $250k+ 48 $10,960,000 $228,333 $2,800 3.83%

    Cb&s Bank lent most frequently to those with incomes in the $50k or less range, with 248 originations. The second most popular income band? $50k-75k, with 208 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 239 $40,535,000 $169,603 $2,953 3.42%
    30-36% 181 $27,735,000 $153,232 $2,882 3.93%
    <20% 156 $24,250,000 $155,449 $2,679 3.55%
    38% 33 $5,235,000 $158,636 $3,093 4.49%
    41% 32 $5,810,000 $181,563 $2,811 3.74%
    37% 26 $4,640,000 $178,462 $3,132 3.65%
    42% 25 $4,955,000 $198,200 $2,931 3.29%
    43% 24 $4,550,000 $189,583 $3,037 3.62%
    50-60% 23 $1,525,000 $66,304 $1,908 5.41%
    39% 22 $3,590,000 $163,182 $2,658 3.78%
    >60% 21 $1,335,000 $63,571 $1,316 6.43%
    49% 20 $3,970,000 $198,500 $2,866 3.38%
    40% 19 $2,955,000 $155,526 $2,718 3.45%
    45% 19 $3,645,000 $191,842 $3,091 3.79%
    44% 16 $3,280,000 $205,000 $3,194 2.80%
    36% 15 $2,525,000 $168,333 $3,079 3.57%
    46% 12 $2,220,000 $185,000 $3,220 3.20%
    47% 11 $2,005,000 $182,273 $2,466 3.45%
    48% 10 $1,320,000 $132,000 $2,902 3.11%

    Cb&s Bank lent most frequently to those with DTI ratios of 20-30%, with 239 originations. The next most common DTI ratio? 30-36%, with 181 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 855 $140,745,000 $164,614 $2,853 3.73%
    Not applicable 79 $24,335,000 $308,038 $0 4.49%
    Black 57 $5,885,000 $103,246 $2,361 4.65%
    Asian 17 $3,445,000 $202,647 $3,069 2.84%
    Not provided 16 $3,430,000 $214,375 $3,007 3.16%
    American Indian 1 $175,000 $175,000 $5,843 2.50%

    Approval Rates

    Total approvals of all applications
    88.92%

    Cb&s Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    86.24%

    Cb&s Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    90.0 1 $35,000 $35,000
    NA 1,024 $177,980,000 $173,809

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,025 $178,015,000 $173,673

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 86 $8,900,000 $103,488 $1,656 4.72%
    40-60% 163 $23,295,000 $142,914 $2,365 4.14%
    60-80% 421 $82,815,000 $196,710 $2,757 3.77%
    80-100% 308 $58,470,000 $189,838 $3,329 3.34%
    Over 100% 13 $2,785,000 $214,231 $6,524 2.88%
    Under 20% 29 $845,000 $29,138 $1,068 5.61%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    CIBC BANCORP USA INC. Conventional home mortgage Closing on a mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Cb&s Bank, Inc. 1424 6th Avenue Se Decatur, AL 35601 Full Service B&M $22,173
    Cb&s Bank, Inc. 10081 Highway 114 Scotts Hill, TN 38374 Full Service B&M $8,545
    Cb&s Bank, Inc. 102 West Fox Avenue Eupora, MS 39744 Full Service B&M $29,533
    Cb&s Bank, Inc. 1045 First Street Cherokee, AL 35616 Full Service B&M $22,995
    Cb&s Bank, Inc. 110 Alcorn Drive Corinth, MS 38834 Full Service B&M $18,360
    Cb&s Bank, Inc. 11963 Alabama Highway 157 Moulton, AL 35650 Full Service B&M $100,522
    Cb&s Bank, Inc. 1217 Gilmer Avenue Tallassee, AL 36078 Full Service B&M $48,830
    Cb&s Bank, Inc. 1301 Doug Baker Boulevard Birmingham, AL 35242 Full Service B&M $16,479
    Cb&s Bank, Inc. 131 South Main Street Cornersville, TN 37047 Full Service B&M $19,871
    Cb&s Bank, Inc. 14015 Highway 43 Russellville, AL 35653 Full Service B&M $20,497
    Cb&s Bank, Inc. 1422 Huntsville Highway Fayetteville, TN 37334 Full Service B&M $55,193
    Cb&s Bank, Inc. 14331 Highway 15 North Ripley, MS 38663 Full Service B&M $28,344
    Cb&s Bank, Inc. 1481 Highway 172 Hodges, AL 35571 Full Service B&M $13,595
    Cb&s Bank, Inc. 15290 Us 43 Russellville, AL 35653 Full Service B&M $20,402
    Cb&s Bank, Inc. 164 Cason Lane Murfreesboro, TN 37128 Full Service B&M $388
    Cb&s Bank, Inc. 1701 Highway 1 South Greenville, MS 38701 Full Service B&M $9,870
    Cb&s Bank, Inc. 1825 Beltline Road, Sw Decatur, AL 35601 Full Service B&M $22,177
    Cb&s Bank, Inc. 200 South Harper Road Corinth, MS 38834 Full Service B&M $24,259
    Cb&s Bank, Inc. 2000 East Avalon Avenue Muscle Shoals, AL 35661 Full Service B&M $57,912
    Cb&s Bank, Inc. 201 South Jackson Street Russellville, AL 35653 Full Service B&M $193,472
    Cb&s Bank, Inc. 225 Emma Ln Pike Road, AL 36064 Full Service B&M $28,270
    Cb&s Bank, Inc. 237 East Main Street Adamsville, TN 38310 Full Service B&M $38,019
    Cb&s Bank, Inc. 26314 Main Street Ardmore, TN 38449 Full Service B&M $19,488
    Cb&s Bank, Inc. 28171 Highway 15 Walnut, MS 38683 Full Service B&M $21,775
    Cb&s Bank, Inc. 2975 Hough Road Florence, AL 35630 Full Service B&M $47,724
    Cb&s Bank, Inc. 30 West Main Street Hohenwald, TN 38462 Full Service B&M $41,737
    Cb&s Bank, Inc. 301 John Lee Hooker Lane Clarksdale, MS 38614 Full Service B&M $49,751
    Cb&s Bank, Inc. 301 Main Street Tallassee, AL 36078 Full Service B&M $48,545
    Cb&s Bank, Inc. 307 West Madison Street Pulaski, TN 38478 Full Service B&M $36,239
    Cb&s Bank, Inc. 320 South Pine Street Florence, AL 35630 Full Service B&M $74,523
    Cb&s Bank, Inc. 325 Main Street Savannah, TN 38372 Full Service B&M $41,188
    Cb&s Bank, Inc. 333 Church Street Town Creek, AL 35672 Full Service B&M $27,287
    Cb&s Bank, Inc. 342 Washington Avenue Greenville, MS 38701 Full Service B&M $44,592
    Cb&s Bank, Inc. 3425 West Main Street Tupelo, MS 38801 Full Service B&M $9,712
    Cb&s Bank, Inc. 3571 Broad Street Phil Campbell, AL 35581 Full Service B&M $41,803
    Cb&s Bank, Inc. 3869 Highway 12 West Sturgis, MS 39769 Full Service B&M $9,288
    Cb&s Bank, Inc. 3936 Us Hwy, 231 Wetumpka, AL 36092 Full Service B&M $47,870
    Cb&s Bank, Inc. 400 Fulton Street Greenwood, MS 38930 Full Service B&M $3,868
    Cb&s Bank, Inc. 407 4th Street Sw Red Bay, AL 35582 Full Service B&M $73,442
    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 $51,816
    Cb&s Bank, Inc. 521 Madison Street Huntsville, AL 35801 Full Service B&M $23,046
    Cb&s Bank, Inc. 5690 U.S. Highway 72 Killen, AL 35645 Full Service B&M $44,677
    Cb&s Bank, Inc. 6104 University Drive Huntsville, AL 35806 Full Service B&M $16,137
    Cb&s Bank, Inc. 6388 Us Highway 431 Owens Cross Roads, AL 35763 Full Service B&M $8,559
    Cb&s Bank, Inc. 706 South Church Street Murfreesboro, TN 37130 Full Service B&M $32,558
    Cb&s Bank, Inc. 724 West Market Street Bolivar, TN 38008 Full Service B&M $43,578
    Cb&s Bank, Inc. 728 Shades Creek Pkwy Birmingham, AL 35209 Full Service B&M $5,829
    Cb&s Bank, Inc. 731 Mulberry Avenue Selmer, TN 38375 Full Service B&M $27,676
    Cb&s Bank, Inc. 771 North Ellington Parkway Lewisburg, TN 37091 Full Service B&M $20,607
    Cb&s Bank, Inc. 8018 Highway 72 Madison, AL 35758 Full Service B&M $17,205
    Cb&s Bank, Inc. 820 West Park Avenue Greenwood, MS 38930 Full Service B&M $95,315
    Cb&s Bank, Inc. Bass Street And Highway 64 Whiteville, TN 38075 Full Service B&M $12,793
    Cb&s Bank, Inc. Highways 12 And 25 Starkville, MS 39759 Full Service B&M $57,485

    For 2021, Cb&s Bank had 54 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $76,521
    Net interest income $69,420
    Total noninterest income $18,955
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $4,458
    Trading account gains and fees $0
    Additional Noninterest Income $14,497
    Pre-tax net operating income $26,921
    Securities gains (or losses, -) $3,654
    Income before extraordinary items $25,090
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $25,090
    Minority interest net income $0
    Net income $25,090
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $22,093

    Cb&s Bank's gross interest income from loans was $76,521,000.
    Cb&s Bank's net interest income from loans was $69,420,000.
    Cb&s Bank's fee based income from loans was $4,458,000.
    Cb&s Bank's net income from loans was $25,090,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $7,101
    Provision for credit losses $3,055
    Total noninterest expense $58,399
    Salaries and employee benefits $31,934
    Premises and equipment expense $8,417
    Additional noninterest expense $18,048
    Applicable income taxes $5,485
    Net charge-offs $1,867
    Cash dividends $683

    Cb&s Bank's interest expense for loans was $7,101,000.
    Cb&s Bank's payroll and benefits expense were $31,934,000.
    Cb&s Bank's property, plant and equipment expenses $8,417,000.

    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 1.0%
    Commercial & industrial loans 1.0%
    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 $2,043,544
    Deposits held in domestic offices $2,043,544
    Deposits by Individuals, partnerships, and corporations $1,821,292
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $222,251
    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 $98,470
    Demand deposits $81,392
    Nontransaction accounts $1,945,073
    Money market deposit accounts (MMDAs) $1,363,384
    Other savings deposits (excluding MMDAs) $312,503
    Total time deposits $269,187
    Total time and savings deposits $1,962,151
    Noninterest-bearing deposits $81,392
    Interest-bearing deposits $1,962,152
    Retail deposits $1,981,923
    IRAs and Keogh plan accounts $59,298
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,411,518
    Cash & Balances due from depository institutions $80,423
    Interest-bearing balances $50,082
    Total securities $1,183,950
    Federal funds sold & reverse repurchase $30,000
    Net loans and leases $980,431
    Loan and leases loss allowance $13,999
    Trading account assets $0
    Bank premises and fixed assets $34,397
    Other real estate owned $4,235
    Goodwill and other intangibles $27,056
    All other assets $71,026

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,411,518
    Total Liabilities $2,133,788
    Total deposits $2,043,544
    Interest-bearing deposits $1,962,152
    Deposits held in domestic offices $2,043,544
    % insured (estimated) $68
    Federal funds purchased and repurchase agreements $33,312
    Trading liabilities $0
    Other borrowed funds $45,135
    Subordinated debt $0
    All other liabilities $11,797

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $980,431
    Loan and leases loss allowance $13,999
    Total loans and leases (domestic) $994,430
    All real estate loans $830,188
    Real estate loans in domestic offices $830,188
    Construction and development loans $210,491
    Residential 1-4 family construction $45,677
    Other construction, all land development and other land $164,814
    Loans secured by nonfarm nonresidential properties $364,054
    Nonfarm nonresidential secured by owner-occupied properties $127,606
    Commercial real estate & other non-farm, non-residential $236,448
    Multifamily residential real estate $14,586
    1-4 family residential loans $204,079
    Farmland loans $36,978
    Loans held in foreign offices $0
    Farm loans $18,535
    Commercial and industrial loans $104,791
    To non-U.S. addressees $0
    Loans to individuals $27,408
    Credit card loans $1,914
    Related Plans $580
    Consumer Auto Loans $8,589
    Other loans to individuals $16,325
    All other loans & leases $13,507
    Loans to foreign governments and official institutions $0
    Other loans $5,266
    Loans to depository institutions and acceptances of other banks $4,600
    Loans not secured by real estate $2,045
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $3,138
    Non 1-4 family restructured loans & leases $2,977
    Total loans and leases (foreign) $0

    CB&S Bank had $980,431,000 of loans outstanding in 2021. $830,188,000 of loans were in real estate loans. $210,491,000 of loans were in development loans. $14,586,000 of loans were in multifamily mortgage loans. $204,079,000 of loans were in 1-4 family mortgage loans. $18,535,000 of loans were in farm loans. $1,914,000 of loans were in credit card loans. $8,589,000 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 681 $150,313 $220,724
    Nonfarm, nonresidential loans - <$100k 177 $7,511 $42,435
    Nonfarm, nonresidential loans - $100-250k 209 $25,726 $123,091
    Nonfarm, nonresidential loans - $250k-1MM 295 $117,076 $396,868
    Commercial & Industrial, US addressed loans - <$1MM 679 $49,601 $73,050
    Commercial & Industrial, US addressed loans - <$100k 497 $11,553 $23,245
    Commercial & Industrial, US addressed loans - $100-250k 113 $12,192 $107,894
    Commercial & Industrial, US addressed loans - $250k-1MM 69 $25,856 $374,725
    Farmland loans - <$1MM 150 $13,194 $87,960
    Farmland loans - <$100k 77 $2,819 $36,610
    Farmland loans - $100-250k 57 $6,715 $117,807
    Farmland loans - $250k-1MM 16 $3,660 $228,750
    Agriculture operations loans - <$1MM 156 $7,115 $45,609
    Agriculture operations loans - <$100k 120 $2,261 $18,842
    Agriculture operations loans - $100-250k 32 $3,767 $117,719
    Agriculture operations loans - $250k-1MM 4 $1,087 $271,750