Commonwealth Bank & Trust Company

Commonwealth Bank & Trust Company Locations

4350 Brownsboro Road, Suite 310
Louisville, KY 40207
(502) 259-2500
www.cbandt.com

FDIC

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Commonwealth Bank & Trust Company is headquartered in Louisville and is the 13^st largest bank in the state of Kentucky. It is also the 770^th largest bank in the nation. It was established in 1887 and as of December of 2012, it had grown to 242 employees at 17 locations. Commonwealth Bank & Trust Company's savings rates are 3X the national average, and it has a 3-star health rating.

Commonwealth Bank & Trust Extreme Checking Down To 1.00% 5/17/12 (Forum) - 5/31/2012

Dear Extreme Checking Customer, Effective May 17, 2012, the Annual Percentage Yield (APY) on your maintenance fee free Extreme Checking account changed to the following for cycles where qualifications are met: 1.00% APY for balances $0.01 to

Commonwealth Bank & Trust Company Drops Rate To 2.01% (From 2.50%) (Forum) - 1/12/2012

Dear Extreme Checking Customer, Effective January 17, 2012, the Annual Percentage Yield (APY) on your maintenance fee free Extreme Checking account will change to the following: 2.01% APY for balances $0.01 to $10,000 0.40% APY for balances

Commonwealth Bank & Trust Dropped Their Limit... (Forum) - 9/15/2011

from (2.5%, $15K) to (2.5%, $10K); per FWF.

Commonwealth Bank And Trust Drops APY To 2.5% (Forum) - 6/16/2011

Just got an email from them saying: Effective June 17, 2011, the Annual Percentage Yield (APY) on your Extreme Checking account will change to the following: $0.01 to $15,000

2011

1/5 - Commonwealth Bank Lowers Rate Cap To $15K (Forum)

2010

8/17 - Commonwealth Bank And Trust Extreme Checking Rate Drop (Forum)
5/1 - Why Many Savers Are Not Looking Forward to the Kentucky Derby (Forum)
1/7 - $150 Checking Bonus at Commonwealth Bank and Trust Company for KY, IN & OH Residents
1/7 - $150 Bonus On RCA Paying 4 (Forum)

2008

7/23 - High-Yield Reward Checking Account at a Kentucky Bank (Commonwealth Bank & Trust Company)

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See Rates for: Checking | Savings | Money Market | CD | IRA

Commonwealth Bank & Trust Company Checking Account Rates

Apy	Min	Max	Product
1.00%	-	$10k	Extreme Checking
0.10%	-	-	Premium Checking
0.10%	-	-	Business Interest Checking
0.10%	$25k	-	Golden Checking

Commonwealth Bank & Trust Company Savings Account Rates

Apy	Min	Max	Product
1.50%	$10k	-	Health Savings Checking Account
0.15%	$50k	-	Prime Savings
0.10%	-	-	Statement Savings

Commonwealth Bank & Trust Company Money Market Rates

Apy	Min	Max	Product
0.15%	$50k	-	Personal Money Market Savings
0.15%	$50k	-	Business Money Market Savings

Commonwealth Bank & Trust Company CD Rates

Apy	Min	Max	Product
1.00%	$500	-	5 Year CD
1.00%	$500	-	Business 5 Year CD
0.75%	$500	-	4 Year CD
0.75%	$500	-	Business 4 Year CD
0.55%	$500	-	3 Year CD
0.55%	$500	-	Business 3 Year CD
0.40%	$500	-	2 Year CD
0.40%	$500	-	Business 2 Year CD
0.25%	$500	-	1 Year CD
0.25%	$500	-	Business 1 Year CD
0.15%	$500	-	1 Month CD
0.15%	$500	-	6 Month CD
0.15%	$500	-	Business 1 Month CD
0.15%	$500	-	Business 6 Month CD
0.10%	$500	-	3 Month CD
0.10%	$500	-	Business 3 Month CD

Commonwealth Bank & Trust Company IRA Rates

Apy	Min	Max	Product
1.00%	$500	-	5 Year IRA
1.00%	$500	-	5 Year Roth IRA
1.00%	$500	-	5 Year Educational IRA
0.75%	$500	-	4 Year IRA
0.75%	$500	-	4 Year Roth IRA
0.75%	$500	-	4 Year Educational IRA
0.55%	$500	-	3 Year IRA
0.55%	$500	-	3 Year Roth IRA
0.55%	$500	-	3 Year Educational IRA
0.40%	$500	-	2 Year IRA
0.40%	$500	-	2 Year Roth IRA
0.40%	$500	-	2 Year Educational IRA
0.38%	$500	-	2 Year Variable IRA
0.38%	$500	-	2 Year Variable Roth IRA
0.38%	$500	-	2 Year Variable Educational IRA
0.25%	$500	-	1 Year IRA
0.25%	$500	-	1 Year Roth IRA
0.25%	$500	-	1 Year Educational IRA
0.15%	$500	-	6 Month IRA
0.15%	$500	-	6 Month Roth IRA
0.15%	$500	-	6 Month Educational IRA
0.10%	$500	-	3 Month IRA
0.10%	$500	-	3 Month Roth IRA
0.10%	$500	-	3 Month Educational IRA

Rates updated: 5/24/2013

Data for Q4 2012

Institution Statistics

Commonwealth Bank and Trust Company
FDIC Certificate #	10146
BankRate Report	View
Year Established	1887
Employees	242
Primary Regulator	FDIC
Assets and Liabilities
Assets	$865.97 million
Loans	$512.37 million
Deposits	$703.36 million
Equity Capital	$74.54 million
Loan Loss Allowance	$6.26 million
Unbacked Noncurrent Loans	$23.22 million
Real Estate Owned	$9.40 million
Historic Data - December 2011
Assets	$823.41 million
Equity Capital	$71.33 million
Loan Loss Allowance	$6.63 million
Unbacked Noncurrent Loans	$10.85 million
Real Estate Owned	$13.13 million
Profit Margin - Quarterly
Net Interest Margin	3.47%
Return on Assets	0.96%
Return on Equity	10.81%
Interest Income	$30.92 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 December 31, 2012 Commonwealth Bank & Trust Company had $32.62 million in non-current loans and owned real-estate with $80.8 million in equity and loan loss allowances on hand to cover it. This gives Commonwealth Bank & Trust Company a Texas Ratio of 40.37% 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 Commonwealth Bank & Trust Company increased slightly from 30.75% as of December 31, 2011 to 40.37% as of December 31, 2012, resulting in a negative change of 31.28%. This indicates that the balance sheet and financial strength for Commonwealth Bank & Trust Company has declined slightly in recent periods.
Deposit Growth
In the past year, Commonwealth Bank & Trust Company has increased its total deposits by $56.47 million, resulting in 8.73% 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 Commonwealth Bank & Trust Company has shown is excellent.
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. Commonwealth Bank & Trust Company has $865.97 million in assets with $80.8 million in equity, resulting in a capitalization level of 9.33%, which is average.