# COMMUNITY&SOUTHERN BANK
ATLANTA, GA · FDIC certificate 59010 · asset band $1-10B · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *auto lender*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.95B | |
| Deposits | $3.30B | |
| Loans and leases | $3.12B | |
| Total equity | $485.3M | |
| Loans / deposits | 93.32% (p62 of band) | 89.53% |
| Liquid assets / assets | 14.96% (p24 of band) | |
| Uninsured deposits / deposits | 10.00% (p12 of band) | 25.95% |
| Brokered deposits | 0.40% | |
| Wholesale funding | 4.20% (p27 of band) | |
| FHLB advances / assets | 3.80% | |
| Tier 1 leverage | 10.89% (p73 of band) | 9.68% |
| Unrealized securities loss / equity | 2.15% (p44 of band) | 2.54% |
| AOCI / equity | 0.81% (p41 of band) | |
| ROA (annualized) | 1.25% (p80 of band) | 0.95% |
| Net interest margin | 4.21% (p90 of band) | 3.48% |
| Efficiency ratio | 47.60% (p10 of band) | |
| Noncurrent loans | 0.67% (p53 of band) | 0.63% |
| Net charge-offs (annualized) | 0.29% (p92 of band) | |
| Reserve coverage of noncurrent | 203.18% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 80.04% (p86 of band) | |
| Auto loans | $406.4M (13.03% of loans; DQ 1.05%, NCO 0.08%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 7.2% | |
| Employees | 516 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking |  |
| 2012-06 | 2 |  | deposits shrinking, assets shrinking |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | capital falling |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 1 |  | noncurrent p90, capital falling |
| 2013-09 | 2 | expense ratio p90 |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | capital falling |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 1 |  | expense ratio p90, capital falling |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 | charge-offs p90 | capital falling |
| 2016-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59010 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/2.json (key "59010", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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