PackageTrendsPeer
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Bristol Tennessee Teacher'

Bristol, TN · Charter 68000

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

Bristol Tennessee Teacher'

Bristol, TN · Charter 68000

Q4 2001

$2.5MAssets
$1.3MLoans
$2.0MShares
$491KNet Worth

Executive Summary

  • Earnings: ROA of 0.29%, down 58 bps year over year; NIM at 4.27%.
  • Asset quality: problem loans at 0.07% of loans (+7 bps YoY).
  • Capital: net worth / assets of 19.84%.
  • Funding: loans stand at 64.54% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

0.29%-58 bps YoY

Net Interest Margin (YTD, annualized)

4.27%-6 bps YoY

Efficiency Ratio (YTD, annualized)

93.44%+1,275 bps YoY

Net Worth / Assets

19.84%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets3.89%3.76%3.78%0.86%1.04%1.02%0.23%0.29%-58 bps
Return on Equityn/an/an/an/an/a5.13%1.21%1.44%n/a
Net Interest Marginn/an/an/a4.33%4.32%4.74%4.03%4.27%-6 bps
Efficiency Ration/an/an/a80.69%77.17%79.17%94.48%93.44%+1,275 bps
Growth
Asset Growth (YoY)-0.39%3.02%11.38%3.14%1.41%-8.64%-11.29%-5.20%-835 bps
Loan Growth (YoY)-9.03%-10.19%-9.47%-12.90%-3.81%-2.26%-5.08%-4.69%+821 bps
Share Growth (YoY)-3.34%0.74%10.76%1.31%-0.54%-12.39%-14.74%-7.87%-918 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.07%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.40%0.42%0.44%0.46%0.44%0.44%0.46%0.48%+2 bps
Capital
Risk-Based Capitaln/an/an/an/an/a19.89%18.93%19.84%n/a
Net Worth / Assetsn/an/an/an/an/a19.89%18.93%19.84%n/a
Liquidity & Funding
Loans / Shares65.55%64.48%56.56%62.39%63.39%71.93%62.97%64.54%+215 bps
Liquid Assets / Assets16.30%34.57%36.50%22.47%25.21%37.39%44.29%43.98%+2,151 bps