PackageTrendsPeer
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Burlington City Employees

Burlington, VT · Charter 64475

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

Burlington City Employees

Burlington, VT · Charter 64475

Q4 2001

$7.1MAssets
$5.1MLoans
$6.1MShares
$966KNet Worth

Executive Summary

  • Earnings: ROA of -0.45%, down 123 bps year over year; NIM at 4.98%.
  • Asset quality: problem loans at 0.57% of loans (-142 bps YoY).
  • Capital: net worth / assets of 13.65%.
  • Funding: loans stand at 84.69% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

-0.45%-123 bps YoY

Net Interest Margin (YTD, annualized)

4.98%+3 bps YoY

Efficiency Ratio (YTD, annualized)

94.68%+975 bps YoY

Net Worth / Assets

13.65%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets3.74%3.52%3.42%0.78%-0.03%0.20%-0.81%-0.45%-123 bps
Return on Equityn/an/an/an/an/a1.28%-5.51%-3.29%n/a
Net Interest Marginn/an/an/a4.95%4.35%5.32%5.35%4.98%+3 bps
Efficiency Ration/an/an/a84.93%88.29%88.56%95.04%94.68%+975 bps
Growth
Asset Growth (YoY)0.37%7.22%9.72%14.20%15.90%12.81%11.15%19.70%+550 bps
Loan Growth (YoY)6.51%8.85%6.40%4.63%7.95%11.56%5.99%4.18%-45 bps
Share Growth (YoY)-3.07%4.64%8.42%14.46%17.23%14.69%13.11%24.36%+990 bps
Asset Quality
Delinquent Loans / Loans1.25%1.46%1.57%1.99%1.23%1.75%1.86%0.57%-142 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.14%1.30%1.27%1.14%1.23%1.10%0.96%1.02%-12 bps
Capital
Risk-Based Capitaln/an/an/an/an/a15.66%14.65%13.65%n/a
Net Worth / Assetsn/an/an/an/an/a15.66%14.65%13.65%n/a
Liquidity & Funding
Loans / Shares103.70%102.44%98.63%101.09%95.48%99.65%92.42%84.69%-1,640 bps
Liquid Assets / Assets11.55%13.73%16.16%0.00%0.00%14.19%19.05%25.01%+2,501 bps