Community South Bank

Community South Bank is headquartered in Parsons and is the 27^th largest bank in the state of Tennessee. It is also the 1,222^nd largest bank in the nation. It was established in 1968 and as of March of 2012, it had grown to 153 employees at 23 locations. Community South Bank has a 1-star health rating.

Data for Q1 2012

Institution Statistics Community South Bank FDIC Certificate # 19849 BankRate Report View Year Established 1968 Employees 153 Primary Regulator FDIC Assets and Liabilities Assets $553.03 million Loans $383.59 million Deposits $518.10 million Equity Capital $18.68 million Loan Loss Allowance $10.58 million Unbacked Noncurrent Loans $63.46 million Real Estate Owned $26.08 million Historic Data - March 2011 Assets $657.97 million Equity Capital $33.47 million Loan Loss Allowance $9.90 million Unbacked Noncurrent Loans $49.68 million Real Estate Owned $20.11 million Profit Margin - Quarterly Net Interest Margin 3.08% Return on Assets 0.36% Return on Equity 11.04% Interest Income $5.53 million

Institution Health Overall Score: 1 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Community South Bank had $89.53 million in non-current loans and owned real-estate with $29.25 million in equity and loan loss allowances on hand to cover it. This gives Community South Bank a Texas Ratio of 306.07% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Community South Bank increased slightly from 164.17% as of March 31, 2011 to 306.07% as of March 31, 2012, resulting in a negative change of 86.43%. This indicates that the balance sheet and financial strength for Community South Bank has declined slightly in recent periods. Deposit Growth In the past year, Community South Bank has decreased its total deposits by -$64.9 million, resulting in -11.13% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Community South Bank has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Community South Bank has $553.03 million in assets with $29.25 million in equity, resulting in a capitalization level of 5.29%, which is below average.

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