PackageTrendsPeer
Letter portraitLegal landscape

Tifton Banking Company

Tifton, GA · Cert 57831

FDIC

Q3 2010

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2010, the quarter ended September 30, 2010, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Tifton Banking Company

Tifton, GA · Cert 57831

FDIC

Q3 2010

$143.7MAssets
$118.1MLoans
$141.6MDeposits
$1.8MEquity
Loan mix
78%RE $74.1M22%C&I $20.8M0%Consumer $0.0MQ3 2009Q3 2010
Deposit mix
94%Interest-bearing $132.5M6%Noninterest $9.0MQ3 2009Q3 2010

NIM

5.93%Q3 ’084.57%Q3 ’093.56%Q3 ’10-8%-32%

Non-interest income vs. expense

1.79%Q3 ’081.75%Q3 ’092.27%Q3 ’10-5%+42%

Executive Summary

  • Earnings: ROA of -8.47%, down 740 bps year over year; NIM at 1.74%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 8.41%.
  • Funding: loans stand at 83.43% of deposits as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

-8.47%-740 bps YoY

Net Interest Margin (YTD, annualized)

1.74%-83 bps YoY

Efficiency Ratio (YTD, annualized)

115.51%+5,454 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets-1.08%-1.96%-5.74%-10.30%-8.47%-740 bps
Return on Equity-13.06%-24.72%-95.06%-214%-208%-19,518 bps
Net Interest Margin2.56%2.31%2.40%1.60%1.74%-83 bps
Efficiency Ratio60.98%61.16%60.70%100.80%115.51%+5,454 bps
Non-Interest Burden1.44%1.30%1.38%1.62%2.04%+60 bps
Growth
Asset Growth (YoY)21.09%25.58%18.45%0.10%-21.07%-4,217 bps
Loan Growth (YoY)12.06%6.11%5.22%-7.91%-18.69%-3,075 bps
Deposit Growth (YoY)16.81%33.09%24.18%8.45%-6.91%-2,372 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.32%2.42%-0.02%10.47%8.41%+809 bps
Allowance / Loans3.52%4.04%6.05%4.94%6.28%+276 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital11.71%10.22%7.28%4.05%2.94%-877 bps
Equity / Assets8.28%6.71%5.36%2.05%1.22%-706 bps
Liquidity & Funding
Loans / Deposits95.52%86.89%89.54%86.94%83.43%-1,209 bps
Liquid Assets / Assets0.00%0.00%4.49%5.01%0.01%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a