Home > CommunitySouth Bank and Trust > Performance and Condition Ratios
CommunitySouth Bank and Trust, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8780% | 7,213 |
| Cost of funding earning assets | 2.2719% | 234 |
| Net interest margin | 1.6061% | 7,536 |
| Noninterest income to average assets | 0.3834% | 5,033 |
| Noninterest expense to average assets | 3.6859% | 1,735 |
| Loan and lease loss provision to assets | 2.2540% | 542 |
| Net operating income to assets | -4.0437% | 7,442 |
| Return on assets (ROA) | -3.7929% | 7,427 |
| Pretax return on assets | -3.7929% | 7,406 |
| Return on Equity (ROE) | -223.0439% | 7,649 |
| Retained earnings to average equity (ytd only) | -223.0439% | 7,649 |
| Net charge-offs to loans | 5.2041% | 160 |
| Credit loss provision to net charge-offs | 74.1550% | 5,757 |
| Earnings coverage of net charge-offs (x) | -0.5888% | 6,498 |
| Efficiency ratio | 194.3819% | 96 |
| Assets per employee ($millions) | 4.2097% | 3,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4530% | 280 |
| Loan loss allowance to noncurrent loans | 28.6189% | 6,372 |
| Noncurrent assets plus other real estate owned to assets | 13.1973% | 221 |
| Noncurrent loans to loans | 15.5597% | 144 |
| Net loans and leases to total assets | 60.7356% | 4,541 |
| Net loans and leases to deposits | 65.9029% | 5,415 |
| Net loans and leases to core deposits | 66.6049% | 5,821 |
| Total domestic deposits to total assets | 92.1592% | 249 |
| Equity capital to assets | -1.2851% | 7,654 |
| Core capital (leverage) ratio | -0.6281% | 7,653 |
| Tier 1 risk-based capital ratio | -1.0148% | 7,654 |
| Total risk-based capital ratio | -1.0148% | 7,654 |
| Memoranda: | ||
| Average total assets | $421,472,400 | 1,574 |
| Average earning assets | $396,984,800 | 1,527 |
| Average equity | $7,167,200 | 5,976 |
| Average total loans | $246,172,200 | 1,780 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8313% | 7,383 |
| Cost of funding earning assets | 2.2755% | 297 |
| Net interest margin | 1.5558% | 7,666 |
| Noninterest income to average assets | 0.3792% | 5,122 |
| Noninterest expense to average assets | 3.2186% | 2,864 |
| Loan and lease loss provision to assets | 1.5096% | 877 |
| Net operating income to assets | -2.8783% | 7,427 |
| Return on assets (ROA) | -2.5546% | 7,375 |
| Pretax return on assets | -2.5546% | 7,335 |
| Return on Equity (ROE) | -112.1990% | 7,703 |
| Retained earnings to average equity (ytd only) | -112.1990% | 7,703 |
| Net charge-offs to loans | 3.4320% | 407 |
| Credit loss provision to net charge-offs | 76.6166% | 5,236 |
| Earnings coverage of net charge-offs (x) | -0.6946% | 6,388 |
| Efficiency ratio | 173.9840% | 127 |
| Assets per employee ($millions) | 5.0645% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8774% | 191 |
| Loan loss allowance to noncurrent loans | 35.0645% | 5,990 |
| Noncurrent assets plus other real estate owned to assets | 9.6805% | 433 |
| Noncurrent loans to loans | 13.9098% | 190 |
| Net loans and leases to total assets | 50.6238% | 6,260 |
| Net loans and leases to deposits | 55.4285% | 6,655 |
| Net loans and leases to core deposits | 73.0014% | 5,409 |
| Total domestic deposits to total assets | 91.3318% | 352 |
| Equity capital to assets | 1.3606% | 7,734 |
| Core capital (leverage) ratio | 1.0744% | 7,735 |
| Tier 1 risk-based capital ratio | 2.1812% | 7,727 |
| Total risk-based capital ratio | 3.4750% | 7,727 |
| Memoranda: | ||
| Average total assets | $441,594,000 | 1,533 |
| Average earning assets | $417,425,250 | 1,476 |
| Average equity | $10,054,500 | 5,177 |
| Average total loans | $253,527,250 | 1,761 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9811% | 7,381 |
| Cost of funding earning assets | 2.2096% | 451 |
| Net interest margin | 1.7715% | 7,701 |
| Noninterest income to average assets | 0.3498% | 5,351 |
| Noninterest expense to average assets | 3.0802% | 3,393 |
| Loan and lease loss provision to assets | 0.9051% | 1,608 |
| Net operating income to assets | -1.9610% | 7,295 |
| Return on assets (ROA) | -1.7447% | 7,251 |
| Pretax return on assets | -1.7447% | 7,162 |
| Return on Equity (ROE) | -67.5861% | 7,674 |
| Retained earnings to average equity (ytd only) | -67.5861% | 7,672 |
| Net charge-offs to loans | 2.5874% | 648 |
| Credit loss provision to net charge-offs | 59.4884% | 5,215 |
| Earnings coverage of net charge-offs (x) | -0.6939% | 6,070 |
| Efficiency ratio | 152.1574% | 198 |
| Assets per employee ($millions) | 5.5232% | 1,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7394% | 211 |
| Loan loss allowance to noncurrent loans | 37.9068% | 5,822 |
| Noncurrent assets plus other real estate owned to assets | 8.3794% | 565 |
| Noncurrent loans to loans | 12.5029% | 255 |
| Net loans and leases to total assets | 50.2590% | 6,403 |
| Net loans and leases to deposits | 55.3034% | 6,777 |
| Net loans and leases to core deposits | 95.2571% | 2,543 |
| Total domestic deposits to total assets | 90.8787% | 537 |
| Equity capital to assets | 2.2071% | 7,783 |
| Core capital (leverage) ratio | 2.1276% | 7,770 |
| Tier 1 risk-based capital ratio | 4.0649% | 7,744 |
| Total risk-based capital ratio | 5.3589% | 7,744 |
| Memoranda: | ||
| Average total assets | $441,922,330 | 1,546 |
| Average earning assets | $417,723,670 | 1,484 |
| Average equity | $11,407,670 | 4,829 |
| Average total loans | $259,873,000 | 1,755 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1490% | 7,326 |
| Cost of funding earning assets | 2.1783% | 634 |
| Net interest margin | 1.9707% | 7,729 |
| Noninterest income to average assets | 0.3277% | 5,523 |
| Noninterest expense to average assets | 3.1255% | 3,156 |
| Loan and lease loss provision to assets | 0.9283% | 1,362 |
| Net operating income to assets | -1.8667% | 7,431 |
| Return on assets (ROA) | -1.8166% | 7,419 |
| Pretax return on assets | -1.8166% | 7,358 |
| Return on Equity (ROE) | -65.2796% | 7,754 |
| Retained earnings to average equity (ytd only) | -65.2796% | 7,746 |
| Net charge-offs to loans | 1.5287% | 1,137 |
| Credit loss provision to net charge-offs | 97.8474% | 3,491 |
| Earnings coverage of net charge-offs (x) | -0.9892% | 5,383 |
| Efficiency ratio | 142.9117% | 239 |
| Assets per employee ($millions) | 5.1828% | 1,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9823% | 179 |
| Loan loss allowance to noncurrent loans | 39.6282% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 9.1347% | 486 |
| Noncurrent loans to loans | 12.5726% | 265 |
| Net loans and leases to total assets | 56.0214% | 5,742 |
| Net loans and leases to deposits | 62.1665% | 6,258 |
| Net loans and leases to core deposits | 124.4544% | 636 |
| Total domestic deposits to total assets | 90.1151% | 931 |
| Equity capital to assets | 2.6045% | 7,868 |
| Core capital (leverage) ratio | 2.7392% | 7,854 |
| Tier 1 risk-based capital ratio | 4.6170% | 7,823 |
| Total risk-based capital ratio | 5.9146% | 7,825 |
| Memoranda: | ||
| Average total assets | $430,910,000 | 1,618 |
| Average earning assets | $406,559,000 | 1,561 |
| Average equity | $11,991,500 | 4,720 |
| Average total loans | $267,421,500 | 1,758 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0626% | 6,220 |
| Cost of funding earning assets | 2.1314% | 2,323 |
| Net interest margin | 2.9312% | 6,797 |
| Noninterest income to average assets | 0.3863% | 5,324 |
| Noninterest expense to average assets | 3.3602% | 2,806 |
| Loan and lease loss provision to assets | 4.2067% | 295 |
| Net operating income to assets | -4.6685% | 7,696 |
| Return on assets (ROA) | -4.3808% | 7,662 |
| Pretax return on assets | -4.1364% | 7,562 |
| Return on Equity (ROE) | -65.8893% | 7,785 |
| Retained earnings to average equity (ytd only) | -65.8893% | 7,779 |
| Net charge-offs to loans | 4.0045% | 412 |
| Credit loss provision to net charge-offs | 140.2394% | 3,471 |
| Earnings coverage of net charge-offs (x) | -0.0725% | 6,298 |
| Efficiency ratio | 106.9172% | 876 |
| Assets per employee ($millions) | 5.0152% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7120% | 209 |
| Loan loss allowance to noncurrent loans | 43.3125% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 8.6954% | 469 |
| Noncurrent loans to loans | 10.8792% | 350 |
| Net loans and leases to total assets | 62.2252% | 4,945 |
| Net loans and leases to deposits | 69.5482% | 5,666 |
| Net loans and leases to core deposits | 73.6541% | 6,554 |
| Total domestic deposits to total assets | 89.4706% | 1,222 |
| Equity capital to assets | 2.9693% | 7,919 |
| Core capital (leverage) ratio | 3.1230% | 7,902 |
| Tier 1 risk-based capital ratio | 4.9574% | 7,870 |
| Total risk-based capital ratio | 6.2502% | 7,871 |
| Memoranda: | ||
| Average total assets | $403,877,000 | 1,695 |
| Average earning assets | $379,804,200 | 1,656 |
| Average equity | $26,852,600 | 2,460 |
| Average total loans | $302,537,200 | 1,587 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1108% | 6,226 |
| Cost of funding earning assets | 2.0586% | 3,077 |
| Net interest margin | 3.0522% | 6,460 |
| Noninterest income to average assets | 0.3821% | 5,461 |
| Noninterest expense to average assets | 2.6701% | 5,456 |
| Loan and lease loss provision to assets | 2.1041% | 837 |
| Net operating income to assets | -1.0066% | 6,836 |
| Return on assets (ROA) | -0.8920% | 6,764 |
| Pretax return on assets | -1.3502% | 6,885 |
| Return on Equity (ROE) | -11.7086% | 7,003 |
| Retained earnings to average equity (ytd only) | -11.7086% | 6,931 |
| Net charge-offs to loans | 1.7531% | 1,152 |
| Credit loss provision to net charge-offs | 154.9902% | 3,086 |
| Earnings coverage of net charge-offs (x) | 0.4275% | 5,604 |
| Efficiency ratio | 82.1458% | 2,560 |
| Assets per employee ($millions) | 5.1073% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5244% | 410 |
| Loan loss allowance to noncurrent loans | 61.5389% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 5.4160% | 1,063 |
| Noncurrent loans to loans | 5.7271% | 1,069 |
| Net loans and leases to total assets | 64.3473% | 4,791 |
| Net loans and leases to deposits | 74.6938% | 5,262 |
| Net loans and leases to core deposits | 79.3051% | 6,401 |
| Total domestic deposits to total assets | 86.1481% | 2,617 |
| Equity capital to assets | 6.6357% | 7,727 |
| Core capital (leverage) ratio | 6.4975% | 7,678 |
| Tier 1 risk-based capital ratio | 8.8804% | 7,661 |
| Total risk-based capital ratio | 10.1585% | 7,674 |
| Memoranda: | ||
| Average total assets | $399,526,750 | 1,733 |
| Average earning assets | $375,458,250 | 1,690 |
| Average equity | $30,438,500 | 2,222 |
| Average total loans | $309,395,500 | 1,571 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2626% | 5,816 |
| Cost of funding earning assets | 2.0797% | 3,367 |
| Net interest margin | 3.1829% | 5,975 |
| Noninterest income to average assets | 0.3811% | 5,456 |
| Noninterest expense to average assets | 2.6938% | 5,405 |
| Loan and lease loss provision to assets | 1.4523% | 1,195 |
| Net operating income to assets | -0.5090% | 6,556 |
| Return on assets (ROA) | -0.3314% | 6,376 |
| Pretax return on assets | -0.5022% | 6,425 |
| Return on Equity (ROE) | -4.1465% | 6,496 |
| Retained earnings to average equity (ytd only) | -4.1465% | 6,163 |
| Net charge-offs to loans | 0.7654% | 2,145 |
| Credit loss provision to net charge-offs | 232.7801% | 1,989 |
| Earnings coverage of net charge-offs (x) | 1.0913% | 4,694 |
| Efficiency ratio | 79.8251% | 3,067 |
| Assets per employee ($millions) | 4.3430% | 3,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1548% | 498 |
| Loan loss allowance to noncurrent loans | 42.4968% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 6.7082% | 664 |
| Noncurrent loans to loans | 7.4236% | 632 |
| Net loans and leases to total assets | 76.9413% | 1,963 |
| Net loans and leases to deposits | 91.5953% | 2,551 |
| Net loans and leases to core deposits | 99.6198% | 4,545 |
| Total domestic deposits to total assets | 84.0014% | 3,771 |
| Equity capital to assets | 7.8227% | 6,951 |
| Core capital (leverage) ratio | 7.5716% | 6,934 |
| Tier 1 risk-based capital ratio | 9.4551% | 7,429 |
| Total risk-based capital ratio | 10.7281% | 7,365 |
| Memoranda: | ||
| Average total assets | $386,291,670 | 1,813 |
| Average earning assets | $363,317,000 | 1,763 |
| Average equity | $30,869,330 | 2,198 |
| Average total loans | $314,874,330 | 1,576 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4190% | 5,323 |
| Cost of funding earning assets | 2.1417% | 3,457 |
| Net interest margin | 3.2773% | 5,585 |
| Noninterest income to average assets | 0.3045% | 6,000 |
| Noninterest expense to average assets | 2.4776% | 5,923 |
| Loan and lease loss provision to assets | 1.3517% | 946 |
| Net operating income to assets | -0.2817% | 6,655 |
| Return on assets (ROA) | 0.0684% | 6,230 |
| Pretax return on assets | 0.1046% | 6,161 |
| Return on Equity (ROE) | 0.8465% | 6,175 |
| Retained earnings to average equity (ytd only) | 0.8465% | 5,321 |
| Net charge-offs to loans | -0.0264% | 7,518 |
| Credit loss provision to net charge-offs | -6,214.2857% | 6,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9713% | 4,011 |
| Assets per employee ($millions) | 4.4222% | 2,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9729% | 492 |
| Loan loss allowance to noncurrent loans | 56.4498% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 4.7722% | 971 |
| Noncurrent loans to loans | 5.2664% | 1,008 |
| Net loans and leases to total assets | 79.8526% | 1,417 |
| Net loans and leases to deposits | 95.1879% | 2,079 |
| Net loans and leases to core deposits | 103.8074% | 4,156 |
| Total domestic deposits to total assets | 83.8894% | 3,756 |
| Equity capital to assets | 8.0691% | 6,713 |
| Core capital (leverage) ratio | 7.8545% | 6,682 |
| Tier 1 risk-based capital ratio | 9.4258% | 7,490 |
| Total risk-based capital ratio | 10.6956% | 7,425 |
| Memoranda: | ||
| Average total assets | $386,174,000 | 1,818 |
| Average earning assets | $364,200,000 | 1,770 |
| Average equity | $31,185,500 | 2,177 |
| Average total loans | $318,768,000 | 1,575 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2930% | 3,996 |
| Cost of funding earning assets | 3.4351% | 639 |
| Net interest margin | 2.8579% | 7,239 |
| Noninterest income to average assets | 0.3640% | 5,803 |
| Noninterest expense to average assets | 2.4675% | 6,140 |
| Loan and lease loss provision to assets | 1.8742% | 664 |
| Net operating income to assets | -0.8087% | 7,139 |
| Return on assets (ROA) | -0.8087% | 7,044 |
| Pretax return on assets | -1.2809% | 7,155 |
| Return on Equity (ROE) | -9.7961% | 7,268 |
| Retained earnings to average equity (ytd only) | -9.7961% | 7,056 |
| Net charge-offs to loans | 1.0491% | 1,171 |
| Credit loss provision to net charge-offs | 217.6078% | 2,206 |
| Earnings coverage of net charge-offs (x) | 0.6888% | 5,810 |
| Efficiency ratio | 80.6168% | 2,517 |
| Assets per employee ($millions) | 4.5072% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5204% | 662 |
| Loan loss allowance to noncurrent loans | 81.5240% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 2.6665% | 1,791 |
| Noncurrent loans to loans | 3.0915% | 1,726 |
| Net loans and leases to total assets | 80.7027% | 1,505 |
| Net loans and leases to deposits | 104.3871% | 1,303 |
| Net loans and leases to core deposits | 113.9679% | 3,343 |
| Total domestic deposits to total assets | 77.3110% | 5,915 |
| Equity capital to assets | 8.0819% | 6,730 |
| Core capital (leverage) ratio | 7.9832% | 6,523 |
| Tier 1 risk-based capital ratio | 8.9165% | 7,836 |
| Total risk-based capital ratio | 10.1799% | 7,843 |
| Memoranda: | ||
| Average total assets | $382,457,600 | 1,769 |
| Average earning assets | $360,894,200 | 1,722 |
| Average equity | $31,573,800 | 2,142 |
| Average total loans | $313,973,000 | 1,544 |