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Bristol Tennessee Electric System

Bristol, TN · Charter 68122

Q3 2007

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: Q3 2007, the quarter ended September 30, 2007, 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 Electric System

Bristol, TN · Charter 68122

Q3 2007

$137KAssets
$41KLoans
$0KShares
$130KNet 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 -16.04%, down 1,630 bps year over year; NIM at 15.36%.
  • Asset quality: problem loans at 11.86% of loans (+326 bps YoY).
  • Capital: net worth / assets of 95.20%, up 8,066 bps from a year ago.
  • Funding: loans stand at 25458.13% of shares as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

-16.04%-1,630 bps YoY

Net Interest Margin (YTD, annualized)

15.36%+1,310 bps YoY

Efficiency Ratio (YTD, annualized)

65.95%-2,266 bps YoY

Net Worth / Assets

95.20%+8,066 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets0.26%0.20%-4.24%-2.15%-16.04%-1,630 bps
Return on Equity1.81%1.42%-30.59%-14.33%-16.85%-1,866 bps
Net Interest Margin2.26%2.18%2.73%2.87%15.36%+1,310 bps
Efficiency Ratio88.61%77.62%68.36%68.09%65.95%-2,266 bps
Growth
Asset Growth (YoY)-0.86%-0.30%-1.27%-9.73%-86.42%-8,556 bps
Loan Growth (YoY)14.71%11.71%-5.37%1.13%-91.34%-10,605 bps
Share Growth (YoY)-1.68%-1.02%-0.56%-10.70%-99.98%-9,830 bps
Asset Quality
Delinquent Loans / Loans8.61%7.90%6.40%5.92%11.86%+326 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.51%1.02%1.55%1.78%19.50%+1,799 bps
Capital
Risk-Based Capital14.54%14.40%13.86%14.98%95.20%+8,066 bps
Net Worth / Assets14.54%14.40%13.86%14.98%95.20%+8,066 bps
Liquidity & Funding
Loans / Shares55.04%53.98%47.92%56.70%25458%+2,540,309 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps