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Bristol Municipal Employees

Bristol, CT · Charter 12776

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

Bristol Municipal Employees

Bristol, CT · Charter 12776

Q3 2015

$10.4MAssets
$1.8MLoans
$8.7MShares
$1.6MNet Worth

Executive Summary

  • Earnings: ROA of -1.06%, down 30 bps year over year; NIM at 1.93%.
  • Asset quality: problem loans at 0.00% of loans (-36 bps YoY).
  • Capital: net worth / assets of 15.31%, down 121 bps from a year ago.
  • Funding: loans stand at 20.42% of shares as of Q3 2015.

Return on Assets (YTD, annualized)

-1.06%-30 bps YoY

Net Interest Margin (YTD, annualized)

1.93%-13 bps YoY

Efficiency Ratio (YTD, annualized)

143.74%+1,768 bps YoY

Net Worth / Assets

15.31%-121 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets-1.27%0.00%-0.61%-0.77%-0.80%-0.83%-1.01%-1.06%-30 bps
Return on Equity-7.69%0.01%-3.81%-4.63%-4.92%-5.23%-6.61%-6.94%-231 bps
Net Interest Margin2.03%2.00%1.96%2.06%2.09%1.89%1.89%1.93%-13 bps
Efficiency Ratio154.09%99.93%119.38%126.06%129.89%140.75%139.75%143.74%+1,768 bps
Growth
Asset Growth (YoY)3.85%2.10%1.36%-4.47%-2.94%-1.85%-0.96%1.17%+564 bps
Loan Growth (YoY)5.77%6.79%5.86%6.48%2.25%1.27%2.64%-6.88%-1,336 bps
Share Growth (YoY)6.40%3.91%2.86%-4.28%-2.57%-1.00%0.11%2.77%+705 bps
Asset Quality
Delinquent Loans / Loans0.57%0.47%0.00%0.36%0.01%0.00%0.00%0.00%-36 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.55%0.53%0.56%0.66%0.61%0.67%0.94%0.98%+32 bps
Capital
Risk-Based Capital16.56%16.62%16.04%16.52%16.26%15.93%15.23%15.31%-121 bps
Net Worth / Assets16.56%16.62%16.04%16.52%16.26%15.93%15.23%15.31%-121 bps
Liquidity & Funding
Loans / Shares21.05%20.66%19.68%22.53%22.09%21.13%20.18%20.42%-211 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps