PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Townsend Press

Nashville, TN · Charter 16343

Q4 1997

$21KAssets
$5KLoans
$9KShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -10.02%, down 838 bps year over year.
  • Asset quality: problem loans at 15.74% of loans (-511 bps YoY).
  • Funding: loans stand at 58.29% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

-10.02%-838 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets-1.64%3.12%-2.76%-1.35%-10.02%-838 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/a2.36%-35.72%-41.59%-42.79%n/a
Loan Growth (YoY)n/a-48.15%-48.03%-44.96%-70.87%n/a
Share Growth (YoY)n/a1.11%-54.97%-62.53%-59.38%n/a
Asset Quality
Delinquent Loans / Loans20.85%27.39%15.54%18.11%15.74%-511 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans11.57%13.81%8.40%10.76%31.01%+1,944 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares81.28%65.63%108.11%108.51%58.29%-2,300 bps
Liquid Assets / Assets1.81%1.78%2.59%2.86%3.48%+168 bps