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Dresser Bradford

Bradford, PA · Charter 11109

Q3 2008

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 2008, the quarter ended September 30, 2008, 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 2026-10-10

Dresser Bradford

Bradford, PA · Charter 11109

Q3 2008

$3.5MAssets
$2.0MLoans
$2.9MShares
$566KNet Worth

Executive Summary

  • Earnings: ROA of 0.00%, down 9 bps year over year; NIM at 4.60%.
  • Asset quality: problem loans at 2.79% of loans (-200 bps YoY).
  • Capital: net worth / assets of 16.19%, up 26 bps from a year ago.
  • Funding: loans stand at 68.03% of shares as of Q3 2008.

Return on Assets (YTD, annualized)

0.00%-9 bps YoY

Net Interest Margin (YTD, annualized)

4.60%-17 bps YoY

Efficiency Ratio (YTD, annualized)

88.81%-8 bps YoY

Net Worth / Assets

16.19%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets0.04%0.13%0.13%0.09%0.10%0.09%-0.12%0.00%-9 bps
Return on Equity0.22%0.80%0.83%0.57%0.60%0.54%-0.77%0.00%-57 bps
Net Interest Margin4.86%4.70%4.44%4.77%4.89%4.86%4.66%4.60%-17 bps
Efficiency Ratio78.14%96.27%93.40%88.89%85.28%82.11%86.07%88.81%-8 bps
Growth
Asset Growth (YoY)-1.60%0.57%0.83%0.59%-3.04%-2.32%-2.63%-1.40%-199 bps
Loan Growth (YoY)-10.42%-10.89%-8.58%-11.41%-12.99%-14.13%-16.61%-15.48%-407 bps
Share Growth (YoY)-2.22%0.20%0.58%0.26%-3.23%-2.95%-3.08%-1.77%-203 bps
Asset Quality
Delinquent Loans / Loans3.44%2.68%2.55%4.79%4.49%2.93%2.73%2.79%-200 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.15%1.08%0.98%1.39%1.60%1.77%1.38%0.09%-130 bps
Capital
Risk-Based Capital16.55%15.98%15.61%15.93%17.17%16.45%16.00%16.19%+26 bps
Net Worth / Assets16.55%15.98%15.61%15.93%17.17%16.45%16.00%16.19%+26 bps
Liquidity & Funding
Loans / Shares92.11%84.16%80.68%79.06%82.82%74.47%69.42%68.03%-1,104 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps