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| TBS Bank Monitor Home | TBS Bank Monitor: Professional Banker Depositor |
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This institution did not file a CALL/TFR in the most recent FFIEC reporting cycle. The most recent data available in our database is shown. |
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Pisgah Community Bank, member of holding company CAPITOL BANCORP LTD. as of March-2013 890 HENDERSONVILLE ROAD ASHEVILLE, NC, 28803 Data Source: TBS Bank Monitor. Data in thousands unless otherwise noted. Copyright 2016 Total Bank Solutions LLC All Rights Reserved |
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| Counterparty Quality Score (CQS) Report |
IRA Counterparty Quality Analysis Historial CQS Scores - IRA Bank Stress Index (BSI) Factor - Asset Quality Trouble Factor - FDIC Moral Hazard Factor | 2013 3 24.5 21.9 0.0 | 2012 1 41.7 30.1 0.0 | 2012 3 20.4 28.5 0.0 | 2012 2 30.2 32.4 0.0 | 2012 2 27.6 30.3 0.0 | 2011 2 30.5 28.5 0.0 | 2011 6 13.8 29.9 0.0 | 2011 2 29.9 27.9 0.0 | 2011 2 29.9 30.5 0.0 | 2010 2 31.2 47.6 0.0 | 2010 2 32.7 29.9 0.0 | 2010 2 34.2 27.8 0.0 |
| Historical Performance Table |
IRA Bank Stress Benchmarks Grade Stress Index Number ROA, % ROE, % Efficiency Ratio Goodwill Writedowns Capital Adequacy Position IRA Capital Test T1/RWA RBC/RWA T1/ASSET Risk Based Capital, Total Tier 1 RBC Risk Weighted Assets, Total Basel II Benchmarks Bond Equivalent Defaults, Method 1 B.E.D., Method 2 Default Rate, bp LGD: Loss Given Default, % M: Wt. Avg. Maturity, yr EAD: Exposure At Default, % Economic Capital Analysis EC RAROC, % Tier 1 RBC T1RBC to EC Leverage Bank Tangible Common Equity Percent of Tangible Assets (TCE Ratio) TCE to EC Leverage Regulatory Watch Points Net Income, Period Total Assets Average Assets - Capital Lending Assets Trading Assets Other Assets (incl. Prepaid Assessments) Securities Assets Net Interest Income, YTD Earning Assets, Total Net Interest Margin, Current Qtr - Annualized NIMY, from FDIC 5YR METHOD Total Deposits Brokered Deposits Reciprocal Brokered Deposits Volatile Liabilities, per FDIC FHLB Advances FHLB Advances-to-Assets, percent Brokered to Total Deposits, percent FHLB+BRO+VOLIAB to Assets, percent Gross Defaults, Actual Provision for Loan Losses, Income Statement Actual-to-Provision Ratio Balance Sheet Allowances for Loan Losses Gross Defaults, Total 30-89 Day Assets, Total Guaranteed Portion of 30-89 Over 90 Assets, Total Guaranteed Portion of Over 90 Non-Accrual Assets, Total Guaranteed Portion of NA Real Estate Owned (REO) Total Troubled Assets Troubled Assets % of Total Assets % factored for less 80% GTY Offsets Non-Conforming Assets, Reported Texas Ratio Off Balance Sheet Derivatives, Notional Loss Realization Margin to RBC, bp | 2013 F 24.5 -0.0183 -0.71 1,037.5% 0 Under Cap Fail 3.7% 5.0% 2.5% $759 $561 $15,160 BB B 273.5 100.00 1.73 12.9 $16,350 -2.45% $561 0.0:1 $-924 -4.29% -0.06:1 $-1 $21,880 $22,595 $13,454 $0 $160 $0 $106 $18,834 2.25% 2.10% $21,246 $0 $0 $0 - - 0.00% 0.00% $92 $-374 -0.25:1 $878 $92 $650 $0 $0 $0 $2,561 $0 $1,485 $4,788 21.88% 21.88% $2,561 2.81 - - | 2012 F 41.7 -7.8933 -348.93 6,858.6% 0 Under Cap Fail 3.4% 4.8% 2.1% $781 $562 $16,386 B B 419.3 96.36 1.86 11.7 $17,369 -12.00% $562 0.0:1 $-1,450 -5.95% -0.08:1 $-1,961 $24,844 $26,232 $14,405 $0 $365 $0 $487 $21,634 2.25% 2.08% $24,198 $0 $0 $0 - - 0.00% 0.00% $604 $1 604.00:1 $1,344 $604 $1,922 $0 $0 $0 $2,952 $0 $2,012 $7,490 30.15% 30.15% $2,952 2.60 - - | 2012 F 20.4 -7.6778 -386.39 -4,118.9% 0 Under Cap Fail 2.9% 4.2% 2.0% $787 $539 $18,644 B B 412.6 95.63 2.39 10.3 $19,448 -8.22% $539 0.0:1 $-1,740 -6.53% -0.09:1 $-1,562 $27,126 $26,963 $16,254 $0 $590 $0 $406 $23,401 2.31% 2.27% $26,466 $0 $0 $0 - - 0.00% 0.00% $503 $1 503.00:1 $1,445 $503 $18 $0 $0 $0 $4,931 $0 $2,279 $7,731 28.50% 28.50% $4,931 3.63 - - | 2012 F 30.2 -9.1889 -445.91 -842.1% 0 Under Cap Fail 2.9% 4.3% 2.0% $817 $562 $19,202 B CCC 561.2 95.34 2.53 10.2 $19,977 -6.49% $562 0.0:1 $-1,498 -5.60% -0.07:1 $-1,253 $27,272 $27,631 $16,821 $0 $804 $0 $273 $23,497 2.32% 2.28% $26,617 $0 $0 $0 - - 0.00% 0.00% $472 - - $1,475 $472 $2,048 $0 $93 $0 $4,176 $0 $2,060 $8,849 32.45% 32.45% $4,269 3.11 - - | 2012 F 27.6 -8.3530 -379.26 -1,132.6% 0 Under Cap Fail 3.2% 4.6% 2.2% $852 $598 $18,677 AAA AAA 0.0 0.00 2.65 4.1 $21,026 -1.81% $598 0.0:1 $-1,694 -6.36% -0.08:1 $-567 $27,152 $27,137 $17,704 $0 $233 $0 $133 $23,865 2.23% 2.19% $26,462 $0 $0 $0 - - 0.00% 0.00% - - - $1,933 $0 $1,443 $0 $71 $0 $4,433 $0 $2,292 $8,239 30.34% 30.34% $4,504 2.69 - - | 2011 F 30.5 -10.8001 -493.82 3,066.7% 0 Under Cap Fail 2.9% 4.3% 2.1% $898 $615 $20,987 BB B 284.0 58.11 2.62 3.9 $23,459 -7.59% $615 0.0:1 $-1,478 -5.36% -0.06:1 $-3,037 $28,120 $29,486 $19,753 $0 $628 $0 $661 $24,618 2.69% 2.19% $27,437 $1,250 $0 $0 - - 4.56% 4.45% $561 $990 0.57:1 $1,925 $561 $1,653 $0 $0 $0 $3,716 $0 $2,093 $8,023 28.53% 28.53% $3,716 2.29 - - | 2011 F 13.8 -11.4621 -584.20 -6,368.0% 0 Under Cap Fail 2.5% 3.9% 2.0% $908 $595 $23,396 B B 331.0 57.79 2.69 3.8 $26,408 -5.29% $595 0.0:1 $-1,425 -4.79% -0.05:1 $-2,607 $30,326 $29,384 $22,236 $0 $379 $0 $514 $27,034 2.54% 2.17% $29,643 $2,282 $0 $0 - - 7.70% 7.52% $552 $990 0.56:1 $1,932 $552 $1,305 $0 $253 $0 $4,935 $0 $2,020 $9,065 29.89% 29.89% $5,188 2.85 - - | 2011 F 29.9 -14.8647 -641.03 -629.5% 0 Under Cap Fail 2.9% 4.2% 2.1% $1,031 $702 $24,515 BB B 268.5 27.04 2.65 4.3 $28,136 -2.99% $702 0.0:1 $-1,158 -3.90% -0.04:1 $-2,250 $30,273 $33,735 $23,691 $0 $467 $0 $333 $27,098 2.46% 2.01% $29,448 $3,972 $0 $0 - - 13.49% 13.12% $318 $988 0.32:1 $2,163 $318 $745 $0 $432 $0 $5,081 $0 $1,860 $8,436 27.87% 27.87% $5,513 2.57 - - | 2011 F 29.9 -0.0215 -0.79 -340.1% 0 Under Cap Fail 3.6% 5.0% 2.5% $1,405 $1,017 $28,084 BB BBB 60.4 -447.50 2.88 3.7 $31,464 -0.58% $1,017 0.0:1 $-612 -1.67% -0.02:1 $-2 $37,254 $41,042 $26,493 $0 $2,633 $0 $189 $32,116 2.35% 2.07% $36,118 $8,786 $0 $0 - - 24.33% 23.58% $40 $1,672 0.02:1 $3,362 $40 $2,411 $0 $1,946 $0 $5,336 $0 $1,629 $11,362 30.50% 30.50% $7,282 2.03 - - | 2010 F 31.2 -0.0209 -0.90 229.2% 0 Under Cap Fail 3.5% 4.8% 2.0% $1,372 $1,002 $28,449 CC or Lower D or Lower 3,044.4 95.23 3.09 2.6 $33,338 -27.71% $1,002 0.0:1 $11,760 27.68% 0.35:1 $-9 $43,126 $49,458 $28,071 $0 $260 $0 $830 $40,926 2.03% 1.57% $42,067 $10,881 $0 $500 - - 25.87% 26.39% $8,546 $8,481 1.01:1 $1,511 $8,546 $2,888 $0 $1,490 $0 $6,477 $0 $1,137 $20,538 47.62% 47.62% $7,967 0.63 - - | 2010 F 32.7 -0.0200 -0.72 211.4% 0 Under Cap Fail 4.8% 6.0% 2.7% $1,880 $1,480 $31,114 CC or Lower D or Lower 3,558.1 96.67 2.85 5.6 $36,084 -23.78% $1,480 0.0:1 $11,694 22.24% 0.32:1 $-8 $53,238 $55,646 $30,383 $0 $805 $0 $662 $50,198 1.76% 1.58% $51,592 $16,167 $0 $500 - - 31.34% 31.31% $8,108 $7,950 1.02:1 $1,280 $8,108 $1,776 $0 $48 $0 $5,202 $0 $803 $15,937 29.94% 29.94% $5,250 0.44 - - | 2010 F 34.2 -0.0243 -0.78 191.3% 0 Under Cap Fail 5.3% 6.6% 3.0% $2,233 $1,798 $33,683 CC or Lower D or Lower 4,081.4 99.96 2.95 5.8 $40,505 -18.31% $1,798 0.0:1 $11,832 20.77% 0.29:1 $-7 $57,652 $59,260 $34,106 $0 $706 $0 $442 $55,764 1.59% 1.53% $55,780 $18,387 $0 $500 - - 32.96% 32.76% $6,960 $7,343 0.95:1 $1,554 $6,960 $1,546 $0 $906 $0 $6,557 $0 $66 $16,035 27.81% 27.81% $7,463 0.56 - - |
| All CALL/TFR's file to identical calendars ending Dec-31. Quarterly values reported are cumulative thru the reporting year. Dollar data in thousands unless otherwise noted. Selected rates pre-computed by FDIC are factored according to criteria from the regulatory agency to derive annualized rates. Peering groups are dynamically generated each quarter based the bank unit being examined. See the quarterly for peer listings. |