CB&S Bank

CB&S Bank is headquartered in Russellville and is the 5^th largest bank in the state of Alabama. It is also the 524^th largest bank in the nation. It was established in 1906 and as of March of 2013, it had grown to 407 employees at 43 locations. CB&S Bank has a 3-star health rating.

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Data for Q1 2013

Institution Statistics CB&S Bank, Inc. FDIC Certificate # 15310 BankRate Report View Year Established 1906 Employees 407 Primary Regulator FDIC Assets and Liabilities Assets $1.25 billion Loans $516.22 million Deposits $1.00 billion Equity Capital $142.34 million Loan Loss Allowance $8.21 million Unbacked Noncurrent Loans $24.13 million Real Estate Owned $24.73 million Historic Data - March 2012 Assets $1.27 billion Equity Capital $151.10 million Loan Loss Allowance $9.26 million Unbacked Noncurrent Loans $30.91 million Real Estate Owned $31.97 million Profit Margin - Quarterly Net Interest Margin 3.31% Return on Assets 0.88% Return on Equity 7.76% Interest Income $11.48 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2013 CB&S Bank had $48.86 million in non-current loans and owned real-estate with $150.55 million in equity and loan loss allowances on hand to cover it. This gives CB&S Bank a Texas Ratio of 32.45% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for CB&S Bank decreased slightly from 39.21% as of March 31, 2012 to 32.45% as of March 31, 2013, resulting in a positive change of 17.24%.This indicates that the balance sheet and financial strength for CB&S Bank has improved slightly in recent periods. Deposit Growth In the past year, CB&S Bank has decreased its total deposits by -$6.63 million, resulting in -0.66% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth CB&S Bank has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. CB&S Bank has $1.25 billion in assets with $150.55 million in equity, resulting in a capitalization level of 12.04%, which is excellent.