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Times-News Employees

Twin Falls, ID · Charter 82543

Q4 2011

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: Q4 2011, the quarter ended December 31, 2011, 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

Times-News Employees

Twin Falls, ID · Charter 82543

Q4 2011

$184KAssets
$138KLoans
$163KShares
$21KNet Worth

Executive Summary

  • Earnings: ROA of -4.75%, down 725 bps year over year; NIM at -0.89%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 11.64%, down 444 bps from a year ago.
  • Funding: loans stand at 84.68% of shares as of Q4 2011.

Return on Assets (YTD, annualized)

-4.75%-725 bps YoY

Net Interest Margin (YTD, annualized)

-0.89%-788 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

11.64%-444 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q3 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets1.11%1.62%-1.39%2.50%3.59%4.33%4.59%-4.75%-725 bps
Return on Equity9.17%11.94%-9.88%15.52%23.75%26.80%25.82%-40.84%-5,637 bps
Net Interest Margin3.09%4.42%6.12%6.98%6.78%6.90%7.05%-0.89%-788 bps
Efficiency Ratio64.06%63.37%121.46%64.92%47.02%37.19%34.81%n/an/a
Growth
Asset Growth (YoY)13.17%6.85%1.93%-0.33%-4.23%3.12%5.21%-9.35%-902 bps
Loan Growth (YoY)11.89%4.64%22.22%27.12%15.15%19.03%15.95%-1.61%-2,873 bps
Share Growth (YoY)13.99%5.85%0.65%-3.74%-7.51%0.03%0.67%-4.56%-82 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans8.07%8.63%8.31%7.13%7.01%7.25%7.17%7.25%+12 bps
Capital
Risk-Based Capital12.12%13.58%14.08%16.08%15.13%16.17%17.79%11.64%-444 bps
Net Worth / Assets12.12%13.58%14.08%16.08%15.13%16.17%17.79%11.64%-444 bps
Liquidity & Funding
Loans / Shares62.56%63.00%69.87%82.14%77.88%74.96%80.47%84.68%+254 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps