CB&S Bank, Inc. in Russellville, Alabama (AL), MS, TN
Overview, Financial Summary, Detailed Financial Reports, Branches


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

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

Income and Expense (December 31, 2011)

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

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.88%Yield on earning assets
  • 1.27%Cost of funding earning assets
  • 3.61%Net interest margin
  • 0.80%Noninterest income to earning assets
  • 3.45%Noninterest expense to earning assets
  • 0.66%Net operating income to assets
  • 0.89%Return on assets (ROA)
  • 0.89%Pretax return on assets
  • 8.33%Return on equity (ROE)
  • 6.80%Retained earnings to average equity (YTD only)
  • 0.66%Net charge-offs to loans
  • 58.74%Credit loss provision to net charge-offs
  • 2.82%Efficiency ratio
  • 75,698Assets per employee
  • 3.26%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 18.43%Loss allowance to loans
  • 1.72%Loss allowance to noncurrent loans
  • 30.09%Noncurrent assets plus other real estate owned to assets
  • 5.02%Noncurrent loans to loans
  • 5.72%Net loans and leases to deposits
  • 53.22%Net loans and leases to core deposits
  • 54.36%Equity capital to assets
  • 11.48%Core capital (leverage) ratio
  • 10.52%Tier 1 risk-based capital ratio
  • 18.91%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $1,256,076Average earning assets
  • $133,755Average equity
  • $1,102,742Average loans

List of branches

  • 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
  • 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
  • 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

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