Community Bank of the South
Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.7). Excellent current capitalization (7.5 on a scale of 0 to 10) based on a risk-based capital ratio of 25.8 and a capital leverage ratio of 9.3.
Other Rating Factors:
Good liquidity 5.3, driven by a liquidity ratio of 52.2 percent and a “hot money” ratio of 25.4 percent. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Fair (4.7) profitability.
Asset Mix:
Cash (38%), securities (31%), comm re (18%), home mtgs (5%), comm loans (1%), consumer loans (1%), other (5%)
States with Branches:
FL
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
CBOS Bankshares, Inc.
Investment Rating
--
Address
277 North Sykes Creek Parkway
Merritt Island, FL 32953
Merritt Island, FL 32953
Phone Number
(321) 452-0420
Year Founded
1999
FDIC Number
Website
Largest Affiliates
No affiliate information available.