CB&S Bank

CB&S Bank is headquartered in Russellville and is the 6^th largest bank in the state of Alabama. It is also the 516^st largest bank in the nation. It was established in 1906 and as of December of 2011, it had grown to 391 employees at 42 locations. CB&S Bank has a 4-star health rating.

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Data for Q4 2011

Institution Statistics CB&S Bank, Inc. FDIC Certificate # 15310 BankRate Report View Year Established 1906 Employees 391 Primary Regulator FDIC Assets and Liabilities Assets $1.28 billion Loans $541.88 million Deposits $1.02 billion Equity Capital $146.45 million Loan Loss Allowance $9.49 million Unbacked Noncurrent Loans $31.50 million Real Estate Owned $32.47 million Historic Data - December 2010 Assets $1.23 billion Equity Capital $113.42 million Loan Loss Allowance $11.03 million Unbacked Noncurrent Loans $36.25 million Real Estate Owned $39.42 million Profit Margin - Quarterly Net Interest Margin 3.61% Return on Assets 0.89% Return on Equity 8.33% Interest Income $53.78 million

Institution Health Overall Score: 4 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 December 31, 2011 CB&S Bank had $63.98 million in non-current loans and owned real-estate with $155.94 million in equity and loan loss allowances on hand to cover it. This gives CB&S Bank a Texas Ratio of 41.03% 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 61.09% as of December 31, 2010 to 41.03% as of December 31, 2011, resulting in a positive change of 32.84%.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 increased its total deposits by $21.44 million, resulting in 2.15% 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 above 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 $1.28 billion in assets with $155.94 million in equity, resulting in a capitalization level of 12.22%, which is excellent.