Home > First Community Bank of Tifton > Performance and Condition Ratios
First Community Bank of Tifton, Performance and Condition Ratios
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2801% | 7,160 |
| Cost of funding earning assets | 1.2632% | 5,048 |
| Net interest margin | 3.0169% | 6,792 |
| Noninterest income to average assets | 0.5892% | 3,344 |
| Noninterest expense to average assets | 2.1989% | 6,693 |
| Loan and lease loss provision to assets | 1.8054% | 628 |
| Net operating income to assets | -0.2935% | 6,661 |
| Return on assets (ROA) | -0.2935% | 6,716 |
| Pretax return on assets | -0.5425% | 6,815 |
| Return on Equity (ROE) | -4.6448% | 6,862 |
| Retained earnings to average equity (ytd only) | -9.9230% | 6,960 |
| Net charge-offs to loans | 1.9114% | 904 |
| Credit loss provision to net charge-offs | 158.2846% | 2,268 |
| Earnings coverage of net charge-offs (x) | 1.1072% | 4,102 |
| Efficiency ratio | 63.5196% | 5,584 |
| Assets per employee ($millions) | 6.5232% | 986 |
| Cash dividends to net income (ytd only)* | -113.6364% | 7,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0999% | 1,955 |
| Loan loss allowance to noncurrent loans | 57.0794% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 2.3511% | 3,090 |
| Noncurrent loans to loans | 3.6790% | 2,161 |
| Net loans and leases to total assets | 56.4102% | 5,685 |
| Net loans and leases to deposits | 63.7057% | 6,081 |
| Net loans and leases to core deposits | 85.1532% | 4,019 |
| Total domestic deposits to total assets | 88.5480% | 1,761 |
| Equity capital to assets | 6.0475% | 7,613 |
| Core capital (leverage) ratio | 5.8902% | 7,593 |
| Tier 1 risk-based capital ratio | 9.0033% | 7,474 |
| Total risk-based capital ratio | 10.2616% | 7,483 |
| Memoranda: | ||
| Average total assets | $359,810,000 | 1,904 |
| Average earning assets | $342,609,000 | 1,825 |
| Average equity | $22,735,000 | 2,845 |
| Average total loans | $214,712,500 | 2,135 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9874% | 6,474 |
| Cost of funding earning assets | 1.6774% | 4,629 |
| Net interest margin | 3.3100% | 5,703 |
| Noninterest income to average assets | 0.6065% | 3,578 |
| Noninterest expense to average assets | 2.1126% | 7,158 |
| Loan and lease loss provision to assets | 1.5208% | 1,514 |
| Net operating income to assets | 0.1077% | 5,193 |
| Return on assets (ROA) | 0.1373% | 5,156 |
| Pretax return on assets | 0.1526% | 5,107 |
| Return on Equity (ROE) | 1.9712% | 4,919 |
| Retained earnings to average equity (ytd only) | -2.0514% | 5,527 |
| Net charge-offs to loans | 2.5348% | 909 |
| Credit loss provision to net charge-offs | 91.4281% | 5,959 |
| Earnings coverage of net charge-offs (x) | 0.9862% | 5,126 |
| Efficiency ratio | 56.2901% | 6,975 |
| Assets per employee ($millions) | 6.2107% | 1,127 |
| Cash dividends to net income (ytd only)* | 204.0685% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8129% | 2,503 |
| Loan loss allowance to noncurrent loans | 107.5248% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 1.2798% | 4,529 |
| Noncurrent loans to loans | 1.6860% | 4,118 |
| Net loans and leases to total assets | 60.7478% | 5,224 |
| Net loans and leases to deposits | 69.0452% | 5,719 |
| Net loans and leases to core deposits | 104.1897% | 3,553 |
| Total domestic deposits to total assets | 87.9826% | 1,980 |
| Equity capital to assets | 6.6085% | 7,532 |
| Core capital (leverage) ratio | 6.4224% | 7,521 |
| Tier 1 risk-based capital ratio | 9.2650% | 7,351 |
| Total risk-based capital ratio | 10.5159% | 7,345 |
| Memoranda: | ||
| Average total assets | $340,155,400 | 2,003 |
| Average earning assets | $323,354,600 | 1,923 |
| Average equity | $23,690,800 | 2,769 |
| Average total loans | $223,211,600 | 2,076 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0483% | 6,454 |
| Cost of funding earning assets | 1.7654% | 4,553 |
| Net interest margin | 3.2829% | 5,705 |
| Noninterest income to average assets | 0.6409% | 3,414 |
| Noninterest expense to average assets | 2.1053% | 7,183 |
| Loan and lease loss provision to assets | 1.2811% | 1,501 |
| Net operating income to assets | 0.2709% | 4,897 |
| Return on assets (ROA) | 0.3027% | 4,885 |
| Pretax return on assets | 0.4206% | 4,738 |
| Return on Equity (ROE) | 4.2902% | 4,255 |
| Retained earnings to average equity (ytd only) | 1.6256% | 4,405 |
| Net charge-offs to loans | 2.0578% | 949 |
| Credit loss provision to net charge-offs | 93.4983% | 5,391 |
| Earnings coverage of net charge-offs (x) | 1.2097% | 4,860 |
| Efficiency ratio | 55.9501% | 7,005 |
| Assets per employee ($millions) | 6.0342% | 1,201 |
| Cash dividends to net income (ytd only)* | 62.1092% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8470% | 2,161 |
| Loan loss allowance to noncurrent loans | 94.9555% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 1.6125% | 3,932 |
| Noncurrent loans to loans | 1.9451% | 3,713 |
| Net loans and leases to total assets | 65.4229% | 4,554 |
| Net loans and leases to deposits | 74.9478% | 5,215 |
| Net loans and leases to core deposits | 117.3397% | 2,483 |
| Total domestic deposits to total assets | 87.2913% | 2,025 |
| Equity capital to assets | 7.1183% | 7,541 |
| Core capital (leverage) ratio | 6.2797% | 7,737 |
| Tier 1 risk-based capital ratio | 9.3634% | 7,454 |
| Total risk-based capital ratio | 10.6189% | 7,428 |
| Memoranda: | ||
| Average total assets | $338,245,000 | 2,028 |
| Average earning assets | $321,658,750 | 1,950 |
| Average equity | $23,867,500 | 2,774 |
| Average total loans | $225,219,500 | 2,091 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9252% | 6,974 |
| Cost of funding earning assets | 1.7753% | 4,882 |
| Net interest margin | 3.1500% | 6,088 |
| Noninterest income to average assets | 0.6000% | 3,694 |
| Noninterest expense to average assets | 2.0818% | 7,309 |
| Loan and lease loss provision to assets | 0.8736% | 1,928 |
| Net operating income to assets | 0.4415% | 4,328 |
| Return on assets (ROA) | 0.4415% | 4,437 |
| Pretax return on assets | 0.6473% | 4,170 |
| Return on Equity (ROE) | 6.2759% | 3,528 |
| Retained earnings to average equity (ytd only) | 2.2684% | 4,075 |
| Net charge-offs to loans | 1.9164% | 977 |
| Credit loss provision to net charge-offs | 68.4893% | 5,445 |
| Earnings coverage of net charge-offs (x) | 1.1923% | 4,633 |
| Efficiency ratio | 57.7851% | 6,891 |
| Assets per employee ($millions) | 5.9045% | 1,267 |
| Cash dividends to net income (ytd only)* | 63.8554% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6248% | 2,636 |
| Loan loss allowance to noncurrent loans | 71.0915% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.5999% | 3,819 |
| Noncurrent loans to loans | 2.2855% | 3,153 |
| Net loans and leases to total assets | 63.3367% | 5,114 |
| Net loans and leases to deposits | 72.4396% | 5,679 |
| Net loans and leases to core deposits | 109.7384% | 3,402 |
| Total domestic deposits to total assets | 87.4338% | 2,041 |
| Equity capital to assets | 6.7237% | 7,741 |
| Core capital (leverage) ratio | 6.5148% | 7,788 |
| Tier 1 risk-based capital ratio | 9.0754% | 7,655 |
| Total risk-based capital ratio | 10.3285% | 7,666 |
| Memoranda: | ||
| Average total assets | $338,354,330 | 2,048 |
| Average earning assets | $322,544,330 | 1,969 |
| Average equity | $23,805,330 | 2,779 |
| Average total loans | $225,214,330 | 2,122 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9548% | 7,047 |
| Cost of funding earning assets | 1.8316% | 4,966 |
| Net interest margin | 3.1233% | 6,132 |
| Noninterest income to average assets | 0.5993% | 3,556 |
| Noninterest expense to average assets | 1.9903% | 7,376 |
| Loan and lease loss provision to assets | 1.1574% | 1,126 |
| Net operating income to assets | 0.3111% | 5,259 |
| Return on assets (ROA) | 0.3111% | 5,431 |
| Pretax return on assets | 0.4286% | 5,318 |
| Return on Equity (ROE) | 4.3197% | 4,784 |
| Retained earnings to average equity (ytd only) | 4.3197% | 3,508 |
| Net charge-offs to loans | 1.1261% | 1,216 |
| Credit loss provision to net charge-offs | 151.7460% | 2,750 |
| Earnings coverage of net charge-offs (x) | 2.0794% | 3,682 |
| Efficiency ratio | 55.6534% | 7,011 |
| Assets per employee ($millions) | 5.5572% | 1,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1216% | 1,191 |
| Loan loss allowance to noncurrent loans | 101.9472% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 1.4841% | 3,703 |
| Noncurrent loans to loans | 2.0810% | 3,148 |
| Net loans and leases to total assets | 64.1288% | 4,964 |
| Net loans and leases to deposits | 74.0691% | 5,468 |
| Net loans and leases to core deposits | 116.7572% | 2,712 |
| Total domestic deposits to total assets | 86.5798% | 2,410 |
| Equity capital to assets | 7.0528% | 7,656 |
| Core capital (leverage) ratio | 6.7849% | 7,771 |
| Tier 1 risk-based capital ratio | 9.2067% | 7,669 |
| Total risk-based capital ratio | 10.4653% | 7,652 |
| Memoranda: | ||
| Average total assets | $330,398,000 | 2,111 |
| Average earning assets | $314,924,500 | 2,032 |
| Average equity | $23,798,000 | 2,795 |
| Average total loans | $223,778,000 | 2,150 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3314% | 3,780 |
| Cost of funding earning assets | 2.3750% | 4,832 |
| Net interest margin | 3.9563% | 3,330 |
| Noninterest income to average assets | 0.7951% | 2,545 |
| Noninterest expense to average assets | 2.2452% | 6,850 |
| Loan and lease loss provision to assets | 0.7921% | 1,882 |
| Net operating income to assets | 0.9710% | 2,685 |
| Return on assets (ROA) | 0.9710% | 2,566 |
| Pretax return on assets | 1.4759% | 1,749 |
| Return on Equity (ROE) | 12.8828% | 1,362 |
| Retained earnings to average equity (ytd only) | 3.3063% | 3,094 |
| Net charge-offs to loans | 0.7133% | 1,733 |
| Credit loss provision to net charge-offs | 150.8080% | 3,481 |
| Earnings coverage of net charge-offs (x) | 4.3180% | 4,026 |
| Efficiency ratio | 49.7480% | 7,679 |
| Assets per employee ($millions) | 5.1081% | 1,828 |
| Cash dividends to net income (ytd only)* | 74.3357% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9454% | 1,326 |
| Loan loss allowance to noncurrent loans | 233.4220% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.8120% | 4,813 |
| Noncurrent loans to loans | 0.8334% | 4,968 |
| Net loans and leases to total assets | 68.6959% | 4,322 |
| Net loans and leases to deposits | 80.0325% | 5,039 |
| Net loans and leases to core deposits | 120.6794% | 2,623 |
| Total domestic deposits to total assets | 85.8350% | 2,478 |
| Equity capital to assets | 7.3609% | 7,502 |
| Core capital (leverage) ratio | 6.8797% | 7,778 |
| Tier 1 risk-based capital ratio | 9.0998% | 7,721 |
| Total risk-based capital ratio | 10.3567% | 7,669 |
| Memoranda: | ||
| Average total assets | $294,537,000 | 2,230 |
| Average earning assets | $276,797,200 | 2,188 |
| Average equity | $22,200,200 | 2,951 |
| Average total loans | $216,891,400 | 2,159 |