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Bristol Group

Bristol, CT · Charter 4941

Q2 1999

$15.9MAssets
$12.4MLoans
$15.3MShares
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 2.61%, down 34 bps year over year.
  • Asset quality: problem loans at 1.24% of loans (-48 bps YoY).
  • Funding: loans stand at 80.88% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

2.61%-34 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets2.95%2.90%2.73%2.90%2.61%-34 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)0.85%-0.10%-0.91%7.64%8.45%+760 bps
Loan Growth (YoY)11.57%-0.03%-1.76%3.79%11.51%-6 bps
Share Growth (YoY)0.19%-0.45%-0.95%7.47%8.86%+867 bps
Asset Quality
Delinquent Loans / Loans1.72%1.10%1.55%1.56%1.24%-48 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.05%0.91%1.04%0.94%0.94%-11 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 / Shares78.96%81.34%79.35%81.59%80.88%+192 bps
Liquid Assets / Assets15.46%14.18%16.50%13.11%16.38%+92 bps