PackageTrendsPeer
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Gilman Employees' Savings Assn.

Chattanooga, TN · Charter 68152

Q4 1996

$647KAssets
$528KLoans
$578KShares
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 3.56%, down 119 bps year over year.
  • Asset quality: problem loans at 5.03% of loans (+310 bps YoY).
  • Funding: loans stand at 91.27% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

3.56%-119 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets4.75%3.83%4.55%3.38%3.56%-119 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/an/an/a-20.88%-11.74%n/a
Loan Growth (YoY)n/an/an/a20.89%4.04%n/a
Share Growth (YoY)n/an/an/a-23.68%-12.73%n/a
Asset Quality
Delinquent Loans / Loans1.94%1.46%3.70%3.68%5.03%+310 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.86%2.73%2.90%2.48%2.10%-76 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 / Shares76.56%82.33%93.48%94.89%91.27%+1,471 bps
Liquid Assets / Assets18.02%13.77%5.55%4.27%6.87%-1,116 bps