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CapitalSouth Bank, Performance and Condition Ratios
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0423% | 6,640 |
| Cost of funding earning assets | 3.2087% | 260 |
| Net interest margin | 1.8336% | 7,930 |
| Noninterest income to average assets | 0.3256% | 5,907 |
| Noninterest expense to average assets | 3.9115% | 1,463 |
| Loan and lease loss provision to assets | 9.9926% | 34 |
| Net operating income to assets | -11.8993% | 8,149 |
| Return on assets (ROA) | -11.8729% | 8,143 |
| Pretax return on assets | -11.8707% | 8,134 |
| Return on Equity (ROE) | -253.2551% | 8,161 |
| Retained earnings to average equity (ytd only) | -253.2551% | 8,161 |
| Net charge-offs to loans | 4.9240% | 250 |
| Credit loss provision to net charge-offs | 246.2118% | 1,887 |
| Earnings coverage of net charge-offs (x) | -0.4693% | 6,060 |
| Efficiency ratio | 193.5765% | 214 |
| Assets per employee ($millions) | 5.5338% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1093% | 75 |
| Loan loss allowance to noncurrent loans | 57.8318% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 10.5729% | 249 |
| Noncurrent loans to loans | 10.5639% | 313 |
| Net loans and leases to total assets | 78.9819% | 1,526 |
| Net loans and leases to deposits | 85.8877% | 3,571 |
| Net loans and leases to core deposits | 102.4055% | 4,242 |
| Total domestic deposits to total assets | 91.9596% | 223 |
| Equity capital to assets | 1.1637% | 8,157 |
| Core capital (leverage) ratio | 1.0082% | 8,162 |
| Tier 1 risk-based capital ratio | 1.3193% | 8,163 |
| Total risk-based capital ratio | 2.6324% | 8,163 |
| Memoranda: | ||
| Average total assets | $628,304,000 | 1,134 |
| Average earning assets | $576,121,330 | 1,129 |
| Average equity | $29,455,670 | 2,309 |
| Average total loans | $517,870,330 | 959 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0521% | 6,783 |
| Cost of funding earning assets | 3.1658% | 378 |
| Net interest margin | 1.8863% | 7,948 |
| Noninterest income to average assets | 0.3543% | 5,608 |
| Noninterest expense to average assets | 3.5424% | 1,996 |
| Loan and lease loss provision to assets | 1.7962% | 685 |
| Net operating income to assets | -3.2516% | 7,880 |
| Return on assets (ROA) | -3.2017% | 7,875 |
| Pretax return on assets | -3.2010% | 7,791 |
| Return on Equity (ROE) | -50.9780% | 8,052 |
| Retained earnings to average equity (ytd only) | -50.9780% | 8,035 |
| Net charge-offs to loans | 1.0014% | 1,341 |
| Credit loss provision to net charge-offs | 219.6684% | 2,059 |
| Earnings coverage of net charge-offs (x) | -1.7792% | 5,459 |
| Efficiency ratio | 168.4475% | 281 |
| Assets per employee ($millions) | 5.3415% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5275% | 746 |
| Loan loss allowance to noncurrent loans | 27.1208% | 6,758 |
| Noncurrent assets plus other real estate owned to assets | 9.5158% | 250 |
| Noncurrent loans to loans | 9.3193% | 335 |
| Net loans and leases to total assets | 79.4312% | 1,491 |
| Net loans and leases to deposits | 90.5364% | 2,846 |
| Net loans and leases to core deposits | 107.7530% | 3,716 |
| Total domestic deposits to total assets | 87.7341% | 1,870 |
| Equity capital to assets | 5.9792% | 8,001 |
| Core capital (leverage) ratio | 5.7775% | 8,040 |
| Tier 1 risk-based capital ratio | 7.0895% | 8,089 |
| Total risk-based capital ratio | 8.3548% | 8,094 |
| Memoranda: | ||
| Average total assets | $649,163,000 | 1,094 |
| Average earning assets | $596,505,500 | 1,081 |
| Average equity | $40,770,500 | 1,665 |
| Average total loans | $530,084,000 | 943 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0444% | 5,330 |
| Cost of funding earning assets | 3.4558% | 589 |
| Net interest margin | 2.5886% | 7,652 |
| Noninterest income to average assets | 0.2807% | 6,451 |
| Noninterest expense to average assets | 4.3272% | 1,014 |
| Loan and lease loss provision to assets | 1.7394% | 737 |
| Net operating income to assets | -3.5980% | 7,926 |
| Return on assets (ROA) | -3.5438% | 7,905 |
| Pretax return on assets | -3.3659% | 7,787 |
| Return on Equity (ROE) | -45.9291% | 8,129 |
| Retained earnings to average equity (ytd only) | -46.8243% | 8,117 |
| Net charge-offs to loans | 1.6915% | 656 |
| Credit loss provision to net charge-offs | 126.3749% | 4,229 |
| Earnings coverage of net charge-offs (x) | -1.2210% | 6,627 |
| Efficiency ratio | 113.9569% | 632 |
| Assets per employee ($millions) | 5.1371% | 1,792 |
| Cash dividends to net income (ytd only)* | -1.9490% | 7,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1218% | 1,040 |
| Loan loss allowance to noncurrent loans | 31.5714% | 6,619 |
| Noncurrent assets plus other real estate owned to assets | 7.0379% | 372 |
| Noncurrent loans to loans | 6.7206% | 470 |
| Net loans and leases to total assets | 80.0794% | 1,646 |
| Net loans and leases to deposits | 92.9590% | 2,962 |
| Net loans and leases to core deposits | 110.1950% | 3,762 |
| Total domestic deposits to total assets | 86.1449% | 2,337 |
| Equity capital to assets | 6.5695% | 7,912 |
| Core capital (leverage) ratio | 6.1191% | 8,041 |
| Tier 1 risk-based capital ratio | 7.7473% | 8,112 |
| Total risk-based capital ratio | 9.0078% | 8,138 |
| Memoranda: | ||
| Average total assets | $723,907,000 | 921 |
| Average earning assets | $661,637,000 | 919 |
| Average equity | $55,855,600 | 1,204 |
| Average total loans | $589,069,200 | 811 |