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Communitysouth Bank and Trust

Easley, SC · Cert 57868

FDIC

Q4 2010

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: Q4 2010, the quarter ended December 31, 2010, 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

Communitysouth Bank and Trust

Easley, SC · Cert 57868

FDIC

Q4 2010

$341.0MAssets
$216.8MLoans
$314.3MDeposits
$-4382KEquity
Deposit mix
94%Interest-bearing $293.8M6%Noninterest $20.4MQ4 2009Q4 2010

NIM

5.88%Q4 ’084.40%Q4 ’094.13%Q4 ’10-5%-33%

Non-interest income vs. expense

2.44%Q4 ’083.11%Q4 ’094.16%Q4 ’10+32%+36%

Executive Summary

  • Earnings: ROA of -3.79%, up 59 bps year over year; NIM at 1.71%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 5.91%.
  • Funding: loans stand at 68.97% of deposits as of Q4 2010.

Financial Results

Return on Assets (YTD, annualized)

-3.79%+59 bps YoY

Net Interest Margin (YTD, annualized)

1.71%-84 bps YoY

Efficiency Ratio (YTD, annualized)

194.38%+8,746 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets-4.38%-1.82%-1.74%-2.55%-3.79%+59 bps
Return on Equity-65.89%-65.28%-67.59%-112.20%-223%-15,715 bps
Net Interest Margin2.55%1.88%1.61%1.35%1.71%-84 bps
Efficiency Ratio106.92%142.91%152.16%173.98%194.38%+8,746 bps
Non-Interest Burden2.75%2.83%2.62%2.60%3.73%+98 bps
Growth
Asset Growth (YoY)8.68%14.51%20.03%0.31%-19.06%-2,774 bps
Loan Growth (YoY)-14.27%-17.97%-20.29%-19.96%-21.21%-694 bps
Deposit Growth (YoY)25.78%23.01%29.86%6.35%-16.63%-4,240 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans4.40%1.57%2.75%3.71%5.91%+151 bps
Allowance / Loans4.71%4.98%4.74%4.88%4.45%-26 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 Capital6.25%5.91%5.36%3.48%-1.01%-726 bps
Equity / Assets2.97%2.60%2.21%1.36%-1.29%-425 bps
Liquidity & Funding
Loans / Deposits72.99%65.43%58.05%58.27%68.97%-401 bps
Liquid Assets / Assets0.11%0.11%0.10%0.11%0.14%+3 bps
CRE / Total Capitaln/an/an/an/an/an/an/a