PackageTrendsPeer
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Terrebonne Teacher's

Gray, LA · Charter 62887

Q4 2001

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 2001, the quarter ended December 31, 2001, 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

Terrebonne Teacher's

Gray, LA · Charter 62887

Q4 2001

$630KAssets
$287KLoans
$529KShares
$98KNet Worth

Executive Summary

  • Earnings: ROA of 0.43%, up 1 bps year over year; NIM at 7.14%.
  • Asset quality: problem loans at 2.40% of loans (-711 bps YoY).
  • Capital: net worth / assets of 15.63%.
  • Funding: loans stand at 54.21% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

0.43%+1 bps YoY

Net Interest Margin (YTD, annualized)

7.14%+356 bps YoY

Efficiency Ratio (YTD, annualized)

73.83%+422 bps YoY

Net Worth / Assets

15.63%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets4.70%4.69%4.26%0.42%0.11%0.46%0.25%0.43%+1 bps
Return on Equityn/an/an/an/an/a2.75%1.45%2.77%n/a
Net Interest Marginn/an/an/a3.58%9.87%9.91%8.10%7.14%+356 bps
Efficiency Ration/an/an/a69.61%50.84%55.24%70.56%73.83%+422 bps
Growth
Asset Growth (YoY)9.19%20.42%26.74%25.96%15.63%-1.35%-8.00%-1.11%-2,707 bps
Loan Growth (YoY)44.56%44.63%54.88%29.07%17.93%-7.07%-16.13%-31.80%-6,087 bps
Share Growth (YoY)8.78%21.92%28.99%29.06%18.23%-1.64%-9.60%-0.72%-2,978 bps
Asset Quality
Delinquent Loans / Loans1.57%0.66%5.65%9.51%6.14%6.49%4.05%2.40%-711 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.35%0.59%0.87%2.12%1.02%2.89%2.73%1.71%-40 bps
Capital
Risk-Based Capitaln/an/an/an/an/a16.88%17.09%15.63%n/a
Net Worth / Assetsn/an/an/an/an/a16.88%17.09%15.63%n/a
Liquidity & Funding
Loans / Shares74.49%82.47%76.60%78.92%74.30%77.92%71.06%54.21%-2,470 bps
Liquid Assets / Assets30.30%28.42%26.91%12.04%12.68%20.82%28.81%54.50%+4,246 bps