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Blazer

Cleveland, TN · Charter 67888

Q2 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: Q2 2001, the quarter ended June 30, 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

Blazer

Cleveland, TN · Charter 67888

Q2 2001

$1.3MAssets
$829KLoans
$1.2MShares
$74KNet Worth

Executive Summary

  • Earnings: ROA of -8.79%, down 1,078 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 13.92% of loans (+1,338 bps YoY).
  • Capital: net worth / assets of 5.82%.
  • Funding: loans stand at 69.85% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

-8.79%-1,078 bps YoY

Net Interest Margin (YTD, annualized)

3.36%

Efficiency Ratio (YTD, annualized)

99.53%

Net Worth / Assets

5.82%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets4.23%3.25%3.73%1.99%1.29%-1.93%-1.89%-8.79%-1,078 bps
Return on Equityn/an/an/an/an/an/a-13.63%-151.16%n/a
Net Interest Marginn/an/an/an/a6.12%5.11%6.32%3.36%n/a
Efficiency Ration/an/an/an/a75.42%83.00%81.62%99.53%n/a
Growth
Asset Growth (YoY)2.48%0.02%2.41%-1.05%18.95%38.51%22.96%51.33%+5,238 bps
Loan Growth (YoY)19.58%-14.38%-13.66%-5.91%51.60%96.35%96.13%70.64%+7,654 bps
Share Growth (YoY)-1.51%-3.13%-0.38%-2.20%21.00%45.16%32.39%69.96%+7,216 bps
Asset Quality
Delinquent Loans / Loans1.27%1.21%5.22%0.54%2.68%3.29%10.39%13.92%+1,338 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.35%2.74%0.79%0.43%0.85%1.13%2.00%8.38%+795 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a13.83%5.82%n/a
Net Worth / Assetsn/an/an/an/an/an/a13.83%5.82%n/a
Liquidity & Funding
Loans / Shares82.06%64.65%73.30%69.58%102.81%87.44%108.59%69.85%+28 bps
Liquid Assets / Assets25.29%40.65%30.66%38.24%3.32%5.12%3.17%36.99%-124 bps