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Health

Data for Q4 2013

Institution Health

C

Texas Ratio

GRADE:
C

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, 2013 Commonwealth Bank & Trust Company had $21.76 million in non-current loans and owned real-estate with $65.22 million in equity and loan loss allowances on hand to cover it. This gives Commonwealth Bank & Trust Company a Texas Ratio of 33.36% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Commonwealth Bank & Trust Company decreased slightly from 40.37% as of December 31, 2012 to 33.36% as of December 31, 2013, resulting in a positive change of 17.35%.This indicates that the balance sheet and financial strength for Commonwealth Bank & Trust Company has improved slightly in recent periods.

Deposit Growth

GRADE:
F

In the past year, Commonwealth Bank & Trust Company has decreased its total deposits by -$110.02 million, resulting in -15.64% 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 poor.

Capitalization

GRADE:
C

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 $736.22 million in assets with $65.22 million in equity, resulting in a capitalization level of 8.86%, which is average.

Institution Statistics

Overall
FDIC Certificate #10146
Year Established1887
Employees234
Primary RegulatorFDIC
Assets and Liabilities
Assets$736.22 million
Loans$429.06 million
Deposits$593.34 million
Equity Capital$59.03 million
Loan Loss Allowance$6.19 million
Unbacked Noncurrent Loans$11.91 million
Real Estate Owned$9.85 million
Historic Data - December 2012
Assets$865.97 million
Equity Capital$74.54 million
Loan Loss Allowance$6.26 million
Unbacked Noncurrent Loans$11.91 million
Real Estate Owned$9.40 million
Profit Margin - Quarterly
Net Interest Margin3.31%
Return on Assets-0.43%
Return on Equity-5.17%
Interest Income$27.04 million
Rates

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Commonwealth Bank & Trust Company Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$5k-Prime Savings
0.25%$5k-Business Prime Savings
0.10%--Statement Savings
0.10%--Health Savings Checking Account
0.10%--Minor Statement Savings
0.03%--IRA Savings
0.03%--Roth IRA Savings
0.03%--Educational IRA Savings

Commonwealth Bank & Trust Company Money Market Rates

DetailsAPYMINMAXPRODUCT
0.15%$50k-Personal Money Market Savings
0.15%$50k-Business Money Market Savings

Commonwealth Bank & Trust Company Checking Account Rates

DetailsAPYMINMAXPRODUCT
1.00%-$10kExtreme Checking
0.10%--Extreme Checking
0.10%--Premium Checking
0.10%--Business Interest Checking
0.10%$25k-Golden Checking

Commonwealth Bank & Trust Company CD Rates

DetailsAPYMINMAXPRODUCT
1.00%$100-4 Year CD
1.00%$100-5 Year CD
0.80%$100-3 Year CD
0.65%$100-18 Month CD
0.50%$100-2 Year CD
0.40%$100-1 Year CD
0.30%$100-6 Month CD
0.15%$100-1 Month CD
0.10%$100-3 Month CD

Commonwealth Bank & Trust Company IRA Rates

DetailsAPYMINMAXPRODUCT
1.00%$100-4 Year IRA (Traditional,Roth,CESA)
1.00%$100-5 Year IRA (Traditional,Roth,CESA)
0.80%$100-3 Year IRA (Traditional,Roth,CESA)
0.50%$100-2 Year IRA (Traditional,Roth,CESA)
0.40%$100-1 Year IRA (Traditional,Roth,CESA)
0.30%$100-6 Month IRA (Traditional,Roth,CESA)
0.10%$100-3 Month IRA (Traditional,Roth,CESA)
Locations

Commonwealth Bank & Trust Company has 15 locations. Click to view all Commonwealth Bank & Trust Company locations.