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Community & Southern Bank

Carrollton, GA · Cert 59010

FDIC · 47 branches

Q2 2016

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 2016, the quarter ended June 30, 2016, 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

Carrollton, GA · Cert 59010

FDIC · 47 branches

Q2 2016

$3.9BAssets
$3.1BLoans
$3.3BDeposits
$485.3MEquity
Loan mix
53%RE $1.3B9%C&I $0.2B38%Consumer $0.9BQ2 2015Q2 2016
Deposit mix
85%Interest-bearing $2.8B15%Noninterest $0.5BQ2 2015Q2 2016

NIM

4.92%Q2 ’144.20%Q2 ’154.42%Q2 ’16-16%+5%

Non-interest income vs. expense

4.80%Q2 ’143.07%Q2 ’152.35%Q2 ’16-42%-34%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2016 SOD (annual) · 1.5% share · #11 of 91 inst. · $2.3B of $156.2B

5.0% Cobb
24.6% Carroll
32.5% Barrow
37.8% Haralson

Executive Summary

  • Earnings: ROA of 1.25%, up 65 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.38%.
  • Capital: tier 1 leverage ratio of 10.89%, up 21 bps from a year ago.
  • Funding: loans stand at 94.60% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

1.25%+65 bps YoY

Net Interest Margin (YTD, annualized)

3.99%+19 bps YoY

Efficiency Ratio (YTD, annualized)

47.60%-1,988 bps YoY

Tier 1 Leverage Ratio

10.89%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.60%0.68%0.65%1.34%1.25%+65 bps
Return on Equity5.33%6.01%5.75%11.92%10.82%+550 bps
Net Interest Margin3.79%3.69%3.48%3.94%3.99%+19 bps
Efficiency Ratio67.48%66.62%70.99%48.87%47.60%-1,988 bps
Non-Interest Burden2.42%2.33%2.37%1.50%1.59%-83 bps
Growth
Asset Growth (YoY)23.93%14.90%22.65%16.08%4.25%-1,968 bps
Loan Growth (YoY)31.17%21.12%29.93%22.35%11.94%-1,923 bps
Deposit Growth (YoY)22.93%11.95%28.11%24.14%7.21%-1,572 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.11%0.20%0.57%0.38%+35 bps
Allowance / Loans1.66%1.58%1.31%1.28%1.36%-30 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.68%10.57%9.69%10.22%10.89%+21 bps
Total Risk-Based Capital12.64%12.82%11.86%12.37%13.04%+40 bps
Equity / Assets11.28%11.36%10.92%11.60%12.29%+101 bps
Liquidity & Funding
Loans / Deposits90.60%91.23%85.35%87.45%94.60%+400 bps
Liquid Assets / Assets4.80%4.23%6.28%5.03%3.34%-146 bps
CRE / Total Capitaln/an/an/an/an/an/an/a