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Community Southern Bank

Lakeland, FL · Cert 58313

FDIC · 3 branches

Q1 2015

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: Q1 2015, the quarter ended March 31, 2015, 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 Southern Bank

Lakeland, FL · Cert 58313

FDIC · 3 branches

Q1 2015

$250.7MAssets
$170.2MLoans
$189.5MDeposits
$27.9MEquity
Loan mix
69%RE $88.4M28%C&I $35.7M3%Consumer $4.2MQ1 2014Q1 2015
Deposit mix
81%Interest-bearing $153.6M19%Noninterest $35.9MQ1 2014Q1 2015

NIM

3.81%Q1 ’133.63%Q1 ’143.61%Q1 ’15-5%+1%

Non-interest income vs. expense

2.80%Q1 ’132.67%Q1 ’142.50%Q1 ’15-3%-10%

Market Position · Lakeland-Winter Haven, FL · 2014 SOD (annual) · 3.3% share · #8 of 18 inst. · $0.2B of $5.8B

Executive Summary

  • Earnings: ROA of 0.46%, up 14 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.41%.
  • Funding: loans stand at 89.84% of deposits as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

0.46%+14 bps YoY

Net Interest Margin (YTD, annualized)

2.94%+4 bps YoY

Efficiency Ratio (YTD, annualized)

77.63%-825 bps YoY

Tier 1 Leverage Ratio

11.41%

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets0.32%0.42%0.48%0.47%0.46%+14 bps
Return on Equity2.94%3.93%4.48%4.27%4.13%+119 bps
Net Interest Margin2.90%2.98%2.86%2.94%2.94%+4 bps
Efficiency Ratio85.88%80.42%78.29%78.73%77.63%-825 bps
Non-Interest Burden2.46%2.35%2.19%2.26%2.22%-24 bps
Growth
Asset Growth (YoY)11.84%14.63%11.37%6.09%5.89%-595 bps
Loan Growth (YoY)19.76%21.77%10.34%10.32%10.34%-942 bps
Deposit Growth (YoY)12.59%16.23%15.18%6.39%5.38%-721 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.11%0.00%0 bps
Allowance / Loans1.16%1.17%1.20%1.05%1.05%-10 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/a11.41%n/an/a
Total Risk-Based Capital16.54%16.32%16.53%15.96%15.43%-111 bps
Equity / Assets10.69%10.76%10.91%11.20%11.14%+45 bps
Liquidity & Funding
Loans / Deposits85.80%82.09%81.73%88.63%89.84%+404 bps
Liquid Assets / Assets3.96%3.74%1.43%4.54%4.07%+12 bps
CRE / Total Capitaln/an/an/an/an/an/an/a