Vitals
  • Total Assets
    1.6B 4.4 %
  • Total Deposits
    1.3B 5.5 %
  • Total Net Loans
    645.1M 10.4 %
  • Net Income
    13.0M 13.4 %
  • Book Value
    177.6M -0.5 %
  • Book Value x2
    355.1M -0.5 %
  • Book Value x3
    532.7M -0.5 %
ROAA

.852

ROAE

7.032

Efficiency Ratio

68.342

Net Interest Margin

3.683

Balance Sheet Highlights
Financial Highlights Cb&S Bank, Inc. All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 1,581,205 266,812
Total Net Loans 645,071 157,006
Total Deposits 1,295,458 227,200
Total Equity 177,561 30,855
Profitability
Net Income 13,030 2,603
Return on Average Assets .852 .91
Return on Average Equity 7.032 7.525
Net Interest Margin 3.683 3.872
Efficiency Ratio 68.342 69.238
Noninterest Income/Revenue 19.944 15.218
Balance Sheet Ratios
Loan-to-Deposit 49.795 65.031
Securities/Assets .452 .23
Total Equity/Total Assets .112 .116
Tangible Equity/Tangible Assets .106 .114
Capital Adequacy
Tier 1 Common Capital 162,991 30,655
Tier 1 Capital 162,991 30,655
Tier 2 Capital 6,524 1,864
Total Capital 169,515 32,526
Total Risk Weighted Assets 919,746 184,216
Leverage Ratio 10.71 11.829
Common Equity Tier 1 Capital Ratio 17.72 18.757
Tier 1 Capital Ratio 17.72 18.762
Total Capital Ratio 18.43 19.824

Timeline for Cb&S Bank, Inc.

Community South Bank

Acquisition: Cb&S Bank, Inc. acquired a new subsidiary, Community South Bank, 13 years

View Profile Aug 24 2013

Utility Holdings, Llc

Utility Holdings, Llc became a new subsidiary organization for Cb&S Bank, Inc..

View Profile Jul 30 2010

Resort Property, Llc

Resort Property, Llc became a new subsidiary organization for Cb&S Bank, Inc..

View Profile Jun 01 2010

Resort Holdings, Llc

Resort Holdings, Llc became a new subsidiary organization for Cb&S Bank, Inc..

View Profile Jun 01 2010

Resort Management, Llc

Resort Management, Llc became a new subsidiary organization for Cb&S Bank, Inc..

View Profile Jun 01 2010

Want to see more?

Complete timeline for Cb&S Bank, Inc. is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Community South Bank Seller 386,908 Failure 8/24/2013
Farmers Bank Seller 79,721 Acquisition Discontinued 4/29/2006
The Bank Of Bolivar Seller 53,431 Pooling of Interests Discontinued 6/25/2005
The Bank Of Falkner Seller 85,485 Failure 9/30/2000
First State Bank Of Franklin County Seller 27,518 Discontinued 4/1/1993
Phenix Federal Savings And Loan Association, Fa Seller 105,049 Failure 5/19/1990
Relationships Role Relationship Start Relationship End
Cbs Banc-Corp. Parent 1/2/1990
Cb&S Financial Services, Inc. Subsidary 6/30/2007
Resort Property, Llc Subsidary 6/1/2010
Resort Holdings, Llc Subsidary 6/1/2010
Utility Holdings, Llc Subsidary 7/30/2010 12/31/2014
Meadows Llc Subsidary 11/24/2009 11/25/2014
Athens Hotel Llc Subsidary 5/18/2010 11/25/2014
Savoy Llc Subsidary 11/24/2009 11/25/2014
Resort Management, Llc Subsidary 6/1/2010 4/29/2014
Hawks Crossing, Llc Subsidary 11/24/2009 11/30/2010
Lions Place, Llc Subsidary 1/19/2010 4/5/2010
Cb&S Financial Services, Inc. Subsidary 11/30/1994 6/29/2007
Citigroup Financial Services, Inc. Subsidary 1/2/1990 3/9/2004
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