PackageTrendsPeer
Letter portraitLegal landscape

Newspaper and Printers

Nashville, TN · Charter 68075

Q3 2015

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 2015, the quarter ended September 30, 2015, 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: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Newspaper and Printers

Nashville, TN · Charter 68075

Q3 2015

$1.6MAssets
$1.0MLoans
$1.1MShares
$515KNet Worth

Executive Summary

  • Earnings: ROA of -0.21%, up 54 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 0.22% of loans (+22 bps YoY).
  • Capital: net worth / assets of 32.65%, down 26 bps from a year ago.
  • Funding: loans stand at 95.16% of shares as of Q3 2015.

Return on Assets (YTD, annualized)

-0.21%+54 bps YoY

Net Interest Margin (YTD, annualized)

4.22%+42 bps YoY

Efficiency Ratio (YTD, annualized)

108.96%-632 bps YoY

Net Worth / Assets

32.65%-26 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets-0.61%-1.40%-1.03%-0.75%-0.47%-1.17%-0.11%-0.21%+54 bps
Return on Equity-1.68%-4.13%-3.06%-2.27%-1.31%-3.34%-0.32%-0.64%+164 bps
Net Interest Margin3.92%3.81%3.72%3.81%4.21%4.81%4.22%4.22%+42 bps
Efficiency Ratio133.62%132.96%121.04%115.28%108.23%97.02%110.37%108.96%-632 bps
Growth
Asset Growth (YoY)19.60%7.54%3.82%3.97%-1.11%-4.20%2.94%0.72%-325 bps
Loan Growth (YoY)18.63%9.50%22.56%10.49%10.69%11.59%22.87%23.66%+1,317 bps
Share Growth (YoY)35.69%10.76%6.83%7.61%-1.03%-5.58%4.41%1.12%-649 bps
Asset Quality
Delinquent Loans / Loans0.00%2.90%0.10%0.00%0.00%0.27%0.00%0.22%+22 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.20%0.24%0.38%0.36%0.34%0.90%0.03%0.06%-30 bps
Capital
Risk-Based Capital36.05%33.95%33.68%32.91%35.99%35.05%32.74%32.65%-26 bps
Net Worth / Assets36.05%33.95%33.68%32.91%35.99%35.05%32.74%32.65%-26 bps
Liquidity & Funding
Loans / Shares84.85%77.26%77.49%77.82%94.90%91.31%91.19%95.16%+1,734 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps