PackageTrendsPeer
Letter portraitLegal landscape

Bristol Babcock Employees

Watertown, CT · Charter 2271

Q4 2003

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 2003, the quarter ended December 31, 2003, 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 Babcock Employees

Watertown, CT · Charter 2271

Q4 2003

$1.8MAssets
$762KLoans
$1.5MShares
$338KNet 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 -3.04%, down 329 bps year over year; NIM at 4.94%.
  • Asset quality: problem loans at 8.64% of loans (+53 bps YoY).
  • Capital: net worth / assets of 18.39%, up 200 bps from a year ago.
  • Funding: loans stand at 50.90% of shares as of Q4 2003.

Financial Results

Return on Assets (YTD, annualized)

-3.04%-329 bps YoY

Net Interest Margin (YTD, annualized)

4.94%+101 bps YoY

Efficiency Ratio (YTD, annualized)

93.50%+680 bps YoY

Net Worth / Assets

18.39%+200 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets0.25%-9.29%-4.91%-3.29%-3.04%-329 bps
Return on Equity1.53%-65.01%-32.71%-21.20%-16.56%-1,808 bps
Net Interest Margin3.92%4.30%4.25%4.27%4.94%+101 bps
Efficiency Ratio86.70%77.51%87.51%88.88%93.50%+680 bps
Growth
Asset Growth (YoY)4.82%7.29%-9.57%-12.46%-23.55%-2,837 bps
Loan Growth (YoY)-22.41%-24.91%-26.81%-33.62%-32.16%-975 bps
Share Growth (YoY)4.89%11.89%-8.77%-12.16%-25.43%-3,033 bps
Asset Quality
Delinquent Loans / Loans8.11%4.21%4.25%4.98%8.64%+53 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.21%3.08%2.64%3.01%3.52%+231 bps
Capital
Risk-Based Capital16.38%14.28%15.02%15.50%18.39%+200 bps
Net Worth / Assets16.38%14.28%15.02%15.50%18.39%+200 bps
Liquidity & Funding
Loans / Shares55.95%49.19%46.22%43.52%50.90%-505 bps
Liquid Assets / Assets51.95%56.61%59.34%61.92%57.60%+564 bps