Home > Tifton Banking Company > Performance and Condition Ratios
Tifton Banking Company, Performance and Condition Ratios
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1760% | 7,125 |
| Cost of funding earning assets | 2.1407% | 465 |
| Net interest margin | 2.0353% | 7,570 |
| Noninterest income to average assets | 0.2158% | 6,364 |
| Noninterest expense to average assets | 2.1153% | 6,817 |
| Loan and lease loss provision to assets | 6.9901% | 27 |
| Net operating income to assets | -8.6524% | 7,735 |
| Return on assets (ROA) | -8.4735% | 7,734 |
| Pretax return on assets | -7.0953% | 7,713 |
| Return on Equity (ROE) | -208.2335% | 7,749 |
| Retained earnings to average equity (ytd only) | -210.1958% | 7,749 |
| Net charge-offs to loans | 7.3630% | 55 |
| Credit loss provision to net charge-offs | 122.1358% | 3,364 |
| Earnings coverage of net charge-offs (x) | -0.0496% | 6,068 |
| Efficiency ratio | 115.5136% | 440 |
| Assets per employee ($millions) | 8.4546% | 426 |
| Cash dividends to net income (ytd only)* | -0.9423% | 7,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2786% | 101 |
| Loan loss allowance to noncurrent loans | 31.9972% | 6,211 |
| Noncurrent assets plus other real estate owned to assets | 18.6559% | 81 |
| Noncurrent loans to loans | 19.6224% | 83 |
| Net loans and leases to total assets | 77.0193% | 1,218 |
| Net loans and leases to deposits | 78.1922% | 3,793 |
| Net loans and leases to core deposits | 78.9427% | 4,676 |
| Total domestic deposits to total assets | 98.5000% | 6 |
| Equity capital to assets | 1.2231% | 7,740 |
| Core capital (leverage) ratio | 1.0757% | 7,734 |
| Tier 1 risk-based capital ratio | 1.6232% | 7,734 |
| Total risk-based capital ratio | 2.9431% | 7,734 |
| Memoranda: | ||
| Average total assets | $173,651,750 | 3,518 |
| Average earning assets | $137,830,500 | 3,909 |
| Average equity | $7,066,250 | 6,086 |
| Average total loans | $134,978,250 | 3,076 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1402% | 7,244 |
| Cost of funding earning assets | 2.1098% | 639 |
| Net interest margin | 2.0305% | 7,638 |
| Noninterest income to average assets | 0.1590% | 6,757 |
| Noninterest expense to average assets | 1.7906% | 7,396 |
| Loan and lease loss provision to assets | 8.3354% | 23 |
| Net operating income to assets | -10.3046% | 7,809 |
| Return on assets (ROA) | -10.3046% | 7,809 |
| Pretax return on assets | -8.3496% | 7,790 |
| Return on Equity (ROE) | -214.1547% | 7,806 |
| Retained earnings to average equity (ytd only) | -216.5088% | 7,806 |
| Net charge-offs to loans | 9.8251% | 36 |
| Credit loss provision to net charge-offs | 110.8006% | 3,663 |
| Earnings coverage of net charge-offs (x) | -0.0019% | 5,718 |
| Efficiency ratio | 100.7971% | 778 |
| Assets per employee ($millions) | 11.3121% | 189 |
| Cash dividends to net income (ytd only)* | -1.0992% | 7,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9366% | 177 |
| Loan loss allowance to noncurrent loans | 27.8839% | 6,498 |
| Noncurrent assets plus other real estate owned to assets | 14.3185% | 171 |
| Noncurrent loans to loans | 17.7042% | 118 |
| Net loans and leases to total assets | 73.9029% | 1,931 |
| Net loans and leases to deposits | 82.6452% | 3,150 |
| Net loans and leases to core deposits | 86.8559% | 3,723 |
| Total domestic deposits to total assets | 89.4220% | 1,217 |
| Equity capital to assets | 2.0474% | 7,789 |
| Core capital (leverage) ratio | 1.7865% | 7,784 |
| Tier 1 risk-based capital ratio | 2.7523% | 7,780 |
| Total risk-based capital ratio | 4.0537% | 7,781 |
| Memoranda: | ||
| Average total assets | $183,626,000 | 3,393 |
| Average earning assets | $146,272,330 | 3,776 |
| Average equity | $8,835,670 | 5,549 |
| Average total loans | $140,599,330 | 2,998 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2947% | 3,576 |
| Cost of funding earning assets | 2.1061% | 797 |
| Net interest margin | 3.1887% | 6,324 |
| Noninterest income to average assets | 0.1952% | 6,565 |
| Noninterest expense to average assets | 1.6307% | 7,630 |
| Loan and lease loss provision to assets | 6.5688% | 96 |
| Net operating income to assets | -5.7440% | 7,812 |
| Return on assets (ROA) | -5.7440% | 7,815 |
| Pretax return on assets | -5.5132% | 7,788 |
| Return on Equity (ROE) | -95.0636% | 7,820 |
| Retained earnings to average equity (ytd only) | -96.8697% | 7,821 |
| Net charge-offs to loans | -0.0193% | 7,068 |
| Credit loss provision to net charge-offs | -44,714.2857% | 6,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7031% | 6,056 |
| Assets per employee ($millions) | 12.6217% | 150 |
| Cash dividends to net income (ytd only)* | -1.8999% | 7,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0509% | 98 |
| Loan loss allowance to noncurrent loans | 39.4479% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 12.1948% | 248 |
| Noncurrent loans to loans | 15.3391% | 166 |
| Net loans and leases to total assets | 73.0122% | 2,197 |
| Net loans and leases to deposits | 84.1195% | 2,919 |
| Net loans and leases to core deposits | 96.0591% | 2,584 |
| Total domestic deposits to total assets | 86.7958% | 2,736 |
| Equity capital to assets | 5.3622% | 7,685 |
| Core capital (leverage) ratio | 4.2443% | 7,758 |
| Tier 1 risk-based capital ratio | 5.9711% | 7,752 |
| Total risk-based capital ratio | 7.2847% | 7,751 |
| Memoranda: | ||
| Average total assets | $190,598,000 | 3,359 |
| Average earning assets | $148,902,500 | 3,776 |
| Average equity | $11,516,500 | 4,846 |
| Average total loans | $144,943,000 | 2,984 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3675% | 4,848 |
| Cost of funding earning assets | 2.3494% | 1,461 |
| Net interest margin | 3.0181% | 6,601 |
| Noninterest income to average assets | 0.3195% | 5,802 |
| Noninterest expense to average assets | 1.7463% | 7,662 |
| Loan and lease loss provision to assets | 4.2612% | 289 |
| Net operating income to assets | -1.9560% | 7,074 |
| Return on assets (ROA) | -1.9560% | 7,073 |
| Pretax return on assets | -3.1521% | 7,335 |
| Return on Equity (ROE) | -24.7181% | 7,280 |
| Retained earnings to average equity (ytd only) | -25.7292% | 7,283 |
| Net charge-offs to loans | 2.4432% | 940 |
| Credit loss provision to net charge-offs | 211.6009% | 1,814 |
| Earnings coverage of net charge-offs (x) | 0.5508% | 5,558 |
| Efficiency ratio | 61.1577% | 6,304 |
| Assets per employee ($millions) | 11.9919% | 169 |
| Cash dividends to net income (ytd only)* | -4.0908% | 7,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0392% | 354 |
| Loan loss allowance to noncurrent loans | 45.9625% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 6.8171% | 757 |
| Noncurrent loans to loans | 8.7880% | 535 |
| Net loans and leases to total assets | 71.3952% | 2,914 |
| Net loans and leases to deposits | 83.3811% | 3,384 |
| Net loans and leases to core deposits | 100.0891% | 3,989 |
| Total domestic deposits to total assets | 85.6252% | 3,213 |
| Equity capital to assets | 6.7134% | 7,497 |
| Core capital (leverage) ratio | 6.8359% | 7,350 |
| Tier 1 risk-based capital ratio | 8.9349% | 7,498 |
| Total risk-based capital ratio | 10.2190% | 7,503 |
| Memoranda: | ||
| Average total assets | $171,221,000 | 3,591 |
| Average earning assets | $143,867,000 | 3,817 |
| Average equity | $13,548,800 | 4,373 |
| Average total loans | $141,128,400 | 3,058 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4666% | 4,593 |
| Cost of funding earning assets | 2.4010% | 1,632 |
| Net interest margin | 3.0656% | 6,417 |
| Noninterest income to average assets | 0.3220% | 5,904 |
| Noninterest expense to average assets | 1.8154% | 7,647 |
| Loan and lease loss provision to assets | 2.8439% | 543 |
| Net operating income to assets | -1.0783% | 6,884 |
| Return on assets (ROA) | -1.0783% | 6,888 |
| Pretax return on assets | -1.6821% | 7,040 |
| Return on Equity (ROE) | -13.0552% | 7,079 |
| Retained earnings to average equity (ytd only) | -13.0552% | 7,013 |
| Net charge-offs to loans | 0.3297% | 3,986 |
| Credit loss provision to net charge-offs | 1,017.8161% | 366 |
| Earnings coverage of net charge-offs (x) | 4.1580% | 3,237 |
| Efficiency ratio | 60.9763% | 6,282 |
| Assets per employee ($millions) | 10.7122% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5189% | 413 |
| Loan loss allowance to noncurrent loans | 46.3002% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 6.4835% | 775 |
| Noncurrent loans to loans | 7.6002% | 669 |
| Net loans and leases to total assets | 76.9653% | 1,793 |
| Net loans and leases to deposits | 92.1566% | 2,207 |
| Net loans and leases to core deposits | 109.9337% | 3,248 |
| Total domestic deposits to total assets | 83.5158% | 3,953 |
| Equity capital to assets | 8.2841% | 6,524 |
| Core capital (leverage) ratio | 8.6921% | 5,142 |
| Tier 1 risk-based capital ratio | 10.4339% | 6,544 |
| Total risk-based capital ratio | 11.7125% | 6,464 |
| Memoranda: | ||
| Average total assets | $166,058,750 | 3,691 |
| Average earning assets | $143,827,250 | 3,841 |
| Average equity | $13,715,750 | 4,359 |
| Average total loans | $140,722,500 | 3,100 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3201% | 5,552 |
| Cost of funding earning assets | 2.4772% | 1,693 |
| Net interest margin | 2.8429% | 6,927 |
| Noninterest income to average assets | 0.3049% | 6,080 |
| Noninterest expense to average assets | 1.8182% | 7,722 |
| Loan and lease loss provision to assets | 4.4092% | 261 |
| Net operating income to assets | -2.2438% | 7,489 |
| Return on assets (ROA) | -2.2438% | 7,488 |
| Pretax return on assets | -3.3974% | 7,661 |
| Return on Equity (ROE) | -27.1966% | 7,665 |
| Retained earnings to average equity (ytd only) | -27.1966% | 7,637 |
| Net charge-offs to loans | 0.1422% | 4,747 |
| Credit loss provision to net charge-offs | 3,578.7879% | 135 |
| Earnings coverage of net charge-offs (x) | 8.2121% | 2,294 |
| Efficiency ratio | 64.2480% | 5,864 |
| Assets per employee ($millions) | 11.3009% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7433% | 312 |
| Loan loss allowance to noncurrent loans | 119.5008% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 3.0588% | 2,066 |
| Noncurrent loans to loans | 3.1325% | 2,278 |
| Net loans and leases to total assets | 81.3389% | 1,082 |
| Net loans and leases to deposits | 98.5526% | 1,448 |
| Net loans and leases to core deposits | 114.6201% | 2,840 |
| Total domestic deposits to total assets | 82.5335% | 4,460 |
| Equity capital to assets | 8.5923% | 5,911 |
| Core capital (leverage) ratio | 8.8985% | 4,786 |
| Tier 1 risk-based capital ratio | 10.4184% | 6,458 |
| Total risk-based capital ratio | 11.6781% | 6,397 |
| Memoranda: | ||
| Average total assets | $160,709,000 | 3,815 |
| Average earning assets | $142,740,670 | 3,882 |
| Average equity | $13,259,000 | 4,474 |
| Average total loans | $139,206,000 | 3,157 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3967% | 5,441 |
| Cost of funding earning assets | 2.6969% | 1,282 |
| Net interest margin | 2.6998% | 7,207 |
| Noninterest income to average assets | 0.3327% | 5,786 |
| Noninterest expense to average assets | 1.7709% | 7,734 |
| Loan and lease loss provision to assets | 0.8163% | 1,584 |
| Net operating income to assets | 0.1126% | 5,945 |
| Return on assets (ROA) | 0.1126% | 6,106 |
| Pretax return on assets | 0.1919% | 5,957 |
| Return on Equity (ROE) | 1.3962% | 6,010 |
| Retained earnings to average equity (ytd only) | 1.3962% | 5,075 |
| Net charge-offs to loans | 0.3557% | 2,664 |
| Credit loss provision to net charge-offs | 261.4754% | 1,809 |
| Earnings coverage of net charge-offs (x) | 3.2295% | 3,238 |
| Efficiency ratio | 63.7201% | 5,738 |
| Assets per employee ($millions) | 9.4018% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 2,906 |
| Loan loss allowance to noncurrent loans | 105.0671% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 1.4822% | 3,707 |
| Noncurrent loans to loans | 1.4395% | 4,143 |
| Net loans and leases to total assets | 86.1691% | 424 |
| Net loans and leases to deposits | 104.0746% | 1,006 |
| Net loans and leases to core deposits | 122.6282% | 2,195 |
| Total domestic deposits to total assets | 82.7956% | 4,247 |
| Equity capital to assets | 7.8933% | 6,961 |
| Core capital (leverage) ratio | 8.1696% | 6,158 |
| Tier 1 risk-based capital ratio | 9.1884% | 7,678 |
| Total risk-based capital ratio | 10.4491% | 7,663 |
| Memoranda: | ||
| Average total assets | $156,307,000 | 3,895 |
| Average earning assets | $141,642,500 | 3,921 |
| Average equity | $12,606,000 | 4,678 |
| Average total loans | $137,188,000 | 3,220 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5289% | 2,813 |
| Cost of funding earning assets | 3.4624% | 580 |
| Net interest margin | 3.0665% | 6,746 |
| Noninterest income to average assets | 0.3185% | 6,180 |
| Noninterest expense to average assets | 1.8852% | 7,642 |
| Loan and lease loss provision to assets | 0.6559% | 2,217 |
| Net operating income to assets | 0.4551% | 4,928 |
| Return on assets (ROA) | 0.4551% | 4,756 |
| Pretax return on assets | 0.6421% | 4,567 |
| Return on Equity (ROE) | 5.1762% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.1762% | 1,917 |
| Net charge-offs to loans | 0.3612% | 3,030 |
| Credit loss provision to net charge-offs | 210.1852% | 2,294 |
| Earnings coverage of net charge-offs (x) | 4.1597% | 4,082 |
| Efficiency ratio | 59.2240% | 6,494 |
| Assets per employee ($millions) | 8.9872% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4256% | 3,053 |
| Loan loss allowance to noncurrent loans | 163.9316% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.9536% | 4,446 |
| Noncurrent loans to loans | 0.8697% | 4,881 |
| Net loans and leases to total assets | 86.8015% | 496 |
| Net loans and leases to deposits | 107.4343% | 1,008 |
| Net loans and leases to core deposits | 131.3921% | 1,763 |
| Total domestic deposits to total assets | 80.7950% | 4,735 |
| Equity capital to assets | 8.2444% | 6,488 |
| Core capital (leverage) ratio | 8.3039% | 5,943 |
| Tier 1 risk-based capital ratio | 9.4128% | 7,400 |
| Total risk-based capital ratio | 10.6655% | 7,314 |
| Memoranda: | ||
| Average total assets | $138,445,800 | 4,110 |
| Average earning assets | $129,331,800 | 4,054 |
| Average equity | $12,171,000 | 4,784 |
| Average total loans | $119,607,400 | 3,469 |