CB&S Bank, Inc. in Russellville, Alabama (AL), MS, TN



Show street view No street view available for this location

CB&S Bank, Inc. routing number info

Table of contents:
CB&S Bank, Inc.
GeneralFDIC Certificate #: 15310
Status: Active
Federal Reserve ID: 594433
Bank Holding Company (Regulatory Top Holder): Cbs Banc-Corp. (RSSDID: 1493654, Location: Russellville, AL)
Date Established: January 01, 1906
WWW: http://www.cbsbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 42 (Domestic: 42, Interstate: Yes)
OTS Docket #: 11862
FDIC's unique #: 9650
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: December 06, 1935
Last Structure Change Effective Date: Febuary 24, 2011
Last Structure Change Process Date: Febuary 24, 2011
Last Data Update: Febuary 24, 2011
Data Source Date: April 05, 2012
LocationAddress: 201 South Jackson Street, Russellville, AL 35653
County: Franklin
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Shelby
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
History of ChangesChange in Geographic Region/Area/Territory/Field Office
Financial SummaryTotal assets: $1,276.1 mil
Equity capital: $146.5 mil
Deposits held in domestic offices: $1,018.1 mil
Return on assets (ROA): 0.89% ($11.4 mil)
Quarterly return on assets: 0.65% ($8.3 mil)
Return on Equity (ROE): 8.33% ($12.2 mil)
Quarterly return on equity: 5.58% ($8.1 mil)
Net income: $11.1 mil
Quarterly Net income: $2.1 mil
Pretax return on assets: 0.89% ($11,357.1 mil)
Quarterly Pretax return on assets: 0.65% ($8,294.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)391
Total assets$1,276,082
Cash and due from depository institutions$78,640
Interest-bearing balances$48,810
Securities$536,331
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$541,876
Loan loss allowance $9,489
Trading account assets$0
Bank premises and fixed assets$31,998
Other real estate owned$32,471
Goodwill and other intangibles$16,035
All other assets$38,731
Life insurance assets$1,276,082
Total liabilities and capital$1,129,631
Total liabilities$1,018,126
Total deposits$1,002,255
Interest-bearing deposits$1,018,126
Deposits held in domestic offices$83
% insured (estimated)12039.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$92,886
Other borrowed funds $0
Subordinated debt $6,580
All other liabilities $146,451
Total equity capital$146,451
Total bank equity capital$146,451
Perpetual preferred stock$0
Common stock$60
Surplus$84,201
Undivided profits $62,190
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $157
Income earned, not collected on loans $31,532
Earning assets $28
Long-term assets (5+ years) $6,316
Average Assets, year-to-date $1,127,017
Average Assets, quarterly $611,534
Volatile liabilities $1,256,076
Insider loans $1,271,547
FHLB advances $689,829
Loans and leases held for sale $1,240,477
Unused loan commitments $18,378
Tier 1 (core) risk-based capital $18,378
Tier 2 risk-based capital $130,446
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $90,827
Derivatives$100
Back to page top, Back to table top

Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $53,778
Total interest expense $14,024
Net interest income $39,754
Provision for loan and lease losses $2,200
Total noninterest income $8,839
Fiduciary activities $0
Service charges on deposit accounts $5,270
Trading account gains & fees $0
Additional noninterest income $3,569
Total noninterest expense $38,045
Salaries and employee benefits $16,222
Premises and equipment expense $6,336
Additional noninterest expense $15,487
Pre-tax net operating income $8,348
Securities gains (losses) $2,796
Applicable income taxes $0
Income before extraordinary items $11,144
Extraordinary gains - net $0
Net income attributable to bank $11,144
Net charge-offs $0
Cash dividends $11,144
Sale, conversion, retirement of capital stock, net $3,745
Net operating income $2,054
Back to page top, Back to table top

Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.88%
Cost of funding earning assets 1.27%
Net interest margin 3.61%
Noninterest income to earning assets 0.80%
Noninterest expense to earning assets 3.45%
Net operating income to assets 0.66%
Return on assets (ROA) 0.89%
Pretax return on assets 0.89%
Return on equity (ROE) 8.33%
Retained earnings to average equity (YTD only) 6.80%
Net charge-offs to loans 0.66%
Credit loss provision to net charge-offs 58.74%
Efficiency ratio2.82%
Assets per employee$75,698
Cash dividends to net income (YTD only)3.26%
Condition Ratios (%)
Loss allowance to loans 18.43%
Loss allowance to noncurrent loans 1.72%
Noncurrent assets plus other real estate owned to assets 30.09%
Noncurrent loans to loans 5.02%
Net loans and leases to deposits5.72%
Net loans and leases to core deposits 53.22%
Equity capital to assets 54.36%
Core capital (leverage) ratio 11.48%
Tier 1 risk-based capital ratio 10.52%
Total risk-based capital ratio 18.91%
Memoranda
Average assets$20
Average earning assets$1,256,076
Average equity $133,755
Average loans $1,102,742
Back to page top, Back to table top

20 Alabama Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
09650Cb&S Bank, Inc.201 South Jackson Street, Russellville, AL 35653January 01, 1906Full Service Brick and Mortar
1233674Drive-In BranchFranklin County Shopping Plaza, Russellville, AL 35653December 21, 1972Full Service Brick and Mortar
2233675Red Bay BranchFourth Avenue South & Fourth Street West, Red Bay, AL 35582August 25, 1980Full Service Brick and Mortar
3233676Hodges BranchMain Street, Hodges, AL 35571March 14, 1981Full Service Brick and Mortar
61152Phil Campbell Branch3571 Broad Street, Phil Campbell, AL 35581April 06, 1921Full Service Brick and Mortar
7190054Russellville Branch1000 Highway 43 By-Pass, Russellville, AL 35653September 07, 1989Full Service Brick and Mortar
8233677Moulton Branch11963 Alabama Highway 157, Moulton, AL 35650August 01, 1995Full Service Brick and Mortar
9233678Muscle Shoals Branch2000 East Avalon Avenue, Muscle Shoals, AL 35661January 21, 1999Full Service Brick and Mortar
10233679Florence Branch320 South Pine Street, Florence, AL 35630March 15, 1999Full Service Brick and Mortar
20220615Center Star Branch5690 U.S. Highway 72, Killen, AL 35645Febuary 27, 1980Full Service Brick and Mortar
21231427Cherokee Branch1045 First Street, Cherokee, AL 35616April 03, 1961Full Service Brick and Mortar
23220611Town Creek Branch333 Church Street, Town Creek, AL 35672August 21, 1967Full Service Brick and Mortar
24448836Decatur Branch1825 Beltline Road, Sw, Decatur, AL 35601Febuary 21, 2006Full Service Brick and Mortar
36461423Huntsville Branch4009 University Drive, Huntsville, AL 35816March 14, 2007Full Service Brick and Mortar
39473852Birmingham Office1301 Doug Baker Boulevard, Birmingham, AL 35242April 01, 2008Full Service Brick and Mortar
40474022Owens Crossroads Branch6388 Us Highway 431, Owens Cross Roads, AL 35763April 15, 2008Full Service Brick and Mortar
42490022Huntsville Research Park Branch6104 University Drive, Huntsville, AL 35806April 01, 2009Full Service Brick and Mortar
43490023Madison Branch8018 Highway 72, Madison, AL 35758April 01, 2009Full Service Brick and Mortar
45491835Huntsville Downtown Branch521 Madison Street, Huntsville, AL 35801December 23, 2008Full Service Brick and Mortar
46491836Florence Hough Road Branch2975 Hough Road, Florence, AL 35630Febuary 12, 2009Full Service Brick and Mortar
Back to page top

14 Mississippi Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
12181546Ripley BranchHighway 15, Tippah County, MS 38663April 04, 1972Full Service Brick and Mortar
13181547Walnut Branch28171 Highway 15, Walnut, MS 38683June 22, 1981Full Service Brick and Mortar
14181548Corinth Branch110 Alcorn Drive, Corinth, MS 38834October 26, 1998Full Service Brick and Mortar
27458369South Beauchamp Branch627 South Beauchamp Avenue, Greenville, MS 38703Febuary 02, 2007Full Service Brick and Mortar
28458822Greenwood Branch400 Fulton Street, Greenwood, MS 38930Febuary 05, 2007Full Service Brick and Mortar
29458823Clarksdale Branch720 Desoto Avenue, Clarksdale, MS 38614January 29, 2007Full Service Brick and Mortar
30221136Greenville Main Branch342 Washington Avenue, Greenville, MS 38701January 03, 1966Full Service Brick and Mortar
31221181Greenwood Main Branch820 West Park Avenue, Greenwood, MS 38930July 27, 1981Full Service Brick and Mortar
32225728Sturgis Branch3869 Highway 12 West, Sturgis, MS 39769March 11, 1955Full Service Brick and Mortar
3322572912-25 Industrial BranchHighways 12 And 25, Starkville, MS 39759January 15, 1969Full Service Brick and Mortar
34225730Eupora Branch102 West Fox Avenue, Eupora, MS 39744Febuary 12, 1976Full Service Brick and Mortar
354025Clarksdale Main Branch301 John Hooker Lane, Clarksdale, MS 38614March 10, 1931Full Service Brick and Mortar
37469467South Harper Road Branch200 South Harper Road, Corinth, MS 38834November 05, 2007Full Service Brick and Mortar
44491834Tupelo Branch86 South Thomas Street, Tupelo, MS 38803August 07, 2008Full Service Brick and Mortar
Back to page top

8 Tennessee Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
159174The Bank Of Bolivar/Branch724 West Market Street, Bolivar, TN 38008January 01, 1887Full Service Brick and Mortar
16231931Community Bank Of Whiteville BranchBass Street And Highway 64, Whiteville, TN 38075May 03, 1999Full Service Brick and Mortar
1748174Ardmore26314 Main Street, Ardmore, TN 38449December 31, 1993Full Service Brick and Mortar
1844211Pulaski Branch307 West Madison Street, Pulaski, TN 38478January 01, 1962Full Service Brick and Mortar
19274765Fayetteville Branch1422 Huntsville Highway, Fayetteville, TN 37334October 27, 1989Full Service Brick and Mortar
251114Farmers Bank/Branch131 South Main Street, Cornersville, TN 37047January 01, 1904Full Service Brick and Mortar
26189994Lewisburg Branch771 North Ellington Parkway, Lewisburg, TN 37091July 09, 1997Full Service Brick and Mortar
41478330Murfreesboro Branch706 South Church Street, Murfreesboro, TN 37130June 04, 2008Full Service Brick and Mortar
Back to page top

User Contributions:

Comment about this bank, ask questions, or add new information about it:

CAPTCHA


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with CB&S Bank, Inc..
Based on public records. Inadvertent errors are possible.
BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.