Peer Analysis   Data for trailing four quarters For the definition of a financial field, select the field name below. Performance Ratios (%) CBSO Peer Median Peer Average ROAA (1.37)  (1.13)  (2.01)  ROAE (19.16)  (10.46)  (17.94)  Net Interest Margin 2.83  2.99  3.00  Efficiency Ratio 83.51  98.16  110.00  Loans / Deposits 77.54  83.17  85.68  Asset Quality Ratios (%)       NPAs / Assets 6.90  4.83  6.88  NCOs / Avg Loans 2.29  1.49  2.63  Reserves / Loans 3.52  1.99  2.30  Reserves / NPAs 34.03  27.97  81.92  Capital Ratios (%)       Tier 1 Capital 8.88  12.30  12.14  Tangible Equity / Tangible Assets 5.82  10.61  10.25  Total Equity / Total Assets 5.82  11.69  10.61  Market Ratios       Price / Earnings (x) NA  NA  NA  Price / Book (%) 11.56  60.42  58.55  Dividend Yield (%) 0.00  0.00  0.00  CommunitySouth Financial Corporation's peer group consists of the following: Commonwealth Business Bank (CWBB), MetroPacific Bank (MPBK), Nature Coast Bank (NCBF), Ojai Community Bank (OJCB), Paragon National Bank (PGNN), Stonegate Bank (SGBK) CommunitySouth Financial Corporation's financial data is as of 9/30/2009. Peer financial data is as of 9/30/2009  except for these companies: MetroPacific Bank's financial data is as of 3/31/2009. Stonegate Bank's financial data is as of 12/31/2009. Copyright 2010, © SNL Financial LC  Terms of Use