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Pillowtex

Hanover, PA · Charter 16800

Q4 1998

$183KAssets
$63KLoans
$135KShares
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 4.00%, up 44 bps year over year.
  • Asset quality: problem loans at 0.45% of loans (+9 bps YoY).
  • Funding: loans stand at 46.68% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

4.00%+44 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 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets3.56%4.23%4.61%4.33%4.00%+44 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)35.09%9.95%1.76%11.07%0.80%-3,429 bps
Loan Growth (YoY)-5.04%-0.89%-14.02%-24.67%1.61%+665 bps
Share Growth (YoY)40.29%7.42%-2.72%7.58%-4.15%-4,444 bps
Asset Quality
Delinquent Loans / Loans0.36%0.59%0.00%0.19%0.45%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.97%0.99%0.55%0.59%0.45%-52 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 / Shares44.04%54.60%44.44%37.70%46.68%+264 bps
Liquid Assets / Assets55.94%53.81%59.90%62.93%61.51%+557 bps