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Daco

Owensboro, KY · Charter 16623

Q2 2009

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 2009, the quarter ended June 30, 2009, 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

Daco

Owensboro, KY · Charter 16623

Q2 2009

$6.7MAssets
$2.1MLoans
$5.5MShares
$1.2MNet Worth

Executive Summary

  • Earnings: ROA of -1.02%, down 181 bps year over year; NIM at 1.90%.
  • Asset quality: problem loans at 5.74% of loans (+519 bps YoY).
  • Capital: net worth / assets of 18.42%, down 6 bps from a year ago.
  • Funding: loans stand at 39.21% of shares as of Q2 2009.

Return on Assets (YTD, annualized)

-1.02%-181 bps YoY

Net Interest Margin (YTD, annualized)

1.90%-24 bps YoY

Efficiency Ratio (YTD, annualized)

118.68%+5,116 bps YoY

Net Worth / Assets

18.42%-6 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets0.47%0.45%1.13%0.79%0.65%0.51%0.22%-1.02%-181 bps
Return on Equity2.58%2.45%6.07%4.28%3.53%2.84%1.21%-5.52%-980 bps
Net Interest Margin2.45%2.41%2.25%2.13%2.06%1.94%1.65%1.90%-24 bps
Efficiency Ratio81.01%81.47%59.79%67.51%71.10%75.36%87.44%118.68%+5,116 bps
Growth
Asset Growth (YoY)-2.11%-1.95%-2.59%1.10%1.83%4.33%5.50%0.07%-102 bps
Loan Growth (YoY)-2.90%-3.14%-13.98%-19.69%-22.11%-25.03%-18.60%-18.57%+112 bps
Share Growth (YoY)-3.09%-2.92%-3.95%0.54%1.51%4.66%6.38%0.10%-44 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.03%0.55%1.63%3.62%4.35%5.74%+519 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.33%0.34%0.37%0.42%0.43%0.45%0.34%1.41%+99 bps
Capital
Risk-Based Capital18.20%18.36%18.65%18.49%18.46%18.12%17.97%18.42%-6 bps
Net Worth / Assets18.20%18.36%18.65%18.49%18.46%18.12%17.97%18.42%-6 bps
Liquidity & Funding
Loans / Shares60.31%60.25%54.79%48.19%46.27%43.16%41.92%39.21%-899 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps