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Community South Bank

Parsons, TN · Cert 19849

FDIC

Q2 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2013, the quarter ended June 30, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community South Bank

Parsons, TN · Cert 19849

FDIC

Q2 2013

$386.9MAssets
$266.8MLoans
$377.7MDeposits
$5.1MEquity
Loan mix
86%RE $134.0M10%C&I $15.3M4%Consumer $6.2MQ2 2012Q2 2013
Deposit mix
92%Interest-bearing $347.1M8%Noninterest $30.5MQ2 2012Q2 2013

NIM

4.13%Q2 ’114.14%Q2 ’123.92%Q2 ’13+10%+10%

Non-interest income vs. expense

3.90%Q2 ’112.84%Q2 ’123.05%Q2 ’13-28%+68%

Executive Summary

  • Earnings: ROA of -2.99%, down 264 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.85%.
  • Funding: loans stand at 70.65% of deposits as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

-2.99%-264 bps YoY

Net Interest Margin (YTD, annualized)

3.22%+28 bps YoY

Efficiency Ratio (YTD, annualized)

142.79%+5,723 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets-0.35%-1.86%-1.46%-1.97%-2.99%-264 bps
Return on Equity-10.27%-59.33%-47.88%-79.11%-141.46%-13,119 bps
Net Interest Margin2.93%3.04%3.32%3.00%3.22%+28 bps
Efficiency Ratio85.56%87.10%88.70%125.30%142.79%+5,723 bps
Non-Interest Burden2.45%2.58%2.88%3.55%4.13%+168 bps
Growth
Asset Growth (YoY)-18.78%-20.37%-28.25%-28.43%-22.22%-344 bps
Loan Growth (YoY)-21.04%-21.15%-28.80%-25.71%-27.70%-666 bps
Deposit Growth (YoY)-17.27%-16.95%-26.43%-26.08%-18.62%-136 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.07%3.58%3.99%0.59%2.85%+78 bps
Allowance / Loans2.28%2.77%2.52%2.92%2.96%+68 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital5.24%3.70%4.16%3.74%1.34%-390 bps
Equity / Assets3.52%2.34%2.70%2.28%1.32%-220 bps
Liquidity & Funding
Loans / Deposits79.51%77.64%76.48%76.46%70.65%-887 bps
Liquid Assets / Assets7.48%8.69%6.75%7.63%9.91%+243 bps
CRE / Total Capitaln/an/an/an/an/an/an/a