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Health

Data for Q1 2014

Institution Health

C+

Texas Ratio

GRADE:
C+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Commonwealth Bank & Trust Company had $17.03 million in non-current loans and owned real-estate with $68.54 million in equity and loan loss allowances on hand to cover it. This gives Commonwealth Bank & Trust Company a Texas Ratio of 24.85% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Commonwealth Bank & Trust Company decreased dramatically from 46.41% as of March 31, 2013 to 24.85% as of March 31, 2014, resulting in a positive change of 46.44%.This indicates that the balance sheet and financial strength for Commonwealth Bank & Trust Company has improved dramatically in recent periods.

Deposit Growth

GRADE:
D

In the past year, Commonwealth Bank & Trust Company has decreased its total deposits by -$62.68 million, resulting in -9.45% 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 below average.

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 $722.33 million in assets with $68.54 million in equity, resulting in a capitalization level of 9.49%, which is average.

Institution Statistics

Overall
FDIC Certificate #10146
Year Established1887
Employees227
Primary RegulatorFDIC
Assets and Liabilities
Assets$722.33 million
Loans$423.02 million
Deposits$600.26 million
Equity Capital$62.25 million
Loan Loss Allowance$6.29 million
Unbacked Noncurrent Loans$7.47 million
Real Estate Owned$9.56 million
Historic Data - March 2013
Assets$805.25 million
Equity Capital$72.38 million
Loan Loss Allowance$7.29 million
Unbacked Noncurrent Loans$7.47 million
Real Estate Owned$7.83 million
Profit Margin - Quarterly
Net Interest Margin3.16%
Return on Assets0.39%
Return on Equity4.66%
Interest Income$5.95 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 - Qualifying
0.10%--Extreme Checking - Non Qualifying
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
1.00%$100-5 Year IRA
0.80%$100-3 Year IRA
0.50%$100-2 Year IRA
0.40%$100-1 Year IRA
0.30%$100-6 Month IRA
0.10%$100-3 Month IRA
Locations

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