PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Times Printing Company

Chattanooga, TN · Charter 68090

Q4 1998

$1.3MAssets
$682KLoans
$1.1MShares
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 4.12%, up 11 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-168 bps YoY).
  • Funding: loans stand at 59.71% of shares as of Q4 1998.

Financial Results

Return on Assets (quarter, annualized)

4.12%+11 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets4.01%4.04%4.16%4.41%4.12%+11 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)1.06%8.79%13.90%5.70%7.19%+612 bps
Loan Growth (YoY)2.59%8.42%0.91%-11.02%-10.26%-1,285 bps
Share Growth (YoY)-0.21%8.51%13.06%3.89%5.10%+532 bps
Asset Quality
Delinquent Loans / Loans1.68%0.28%1.00%1.07%0.00%-168 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.60%0.83%1.01%1.72%2.14%+154 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 / Shares69.93%64.71%64.64%64.23%59.71%-1,022 bps
Liquid Assets / Assets32.24%37.08%39.37%39.22%43.64%+1,140 bps