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Cr Community First

Eagle Butte, SD · Charter 24785

Q2 2012

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 2012, the quarter ended June 30, 2012, 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

Cr Community First

Eagle Butte, SD · Charter 24785

Q2 2012

$721KAssets
$447KLoans
$688KShares
$16KNet 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 -6.74%, down 652 bps year over year; NIM at 6.98%.
  • Asset quality: problem loans at 31.32% of loans (+965 bps YoY).
  • Capital: net worth / assets of 2.16%, down 126 bps from a year ago.
  • Funding: loans stand at 64.94% of shares as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

-6.74%-652 bps YoY

Net Interest Margin (YTD, annualized)

6.98%+98 bps YoY

Efficiency Ratio (YTD, annualized)

99.13%+2,144 bps YoY

Net Worth / Assets

2.16%-126 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-0.22%-1.68%0.13%0.40%-6.74%-652 bps
Return on Equity-6.55%-71.30%2.98%7.43%-312%-30,572 bps
Net Interest Margin6.01%6.15%6.89%6.87%6.98%+98 bps
Efficiency Ratio77.69%99.90%58.20%82.00%99.13%+2,144 bps
Growth
Asset Growth (YoY)-1.96%-25.60%-16.89%-30.04%-34.23%-3,227 bps
Loan Growth (YoY)3.36%-2.30%-19.16%-29.81%-34.99%-3,835 bps
Share Growth (YoY)-1.05%-25.01%-18.00%-32.23%-34.77%-3,372 bps
Asset Quality
Delinquent Loans / Loans21.67%24.80%25.99%28.26%31.32%+965 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans9.56%10.08%15.42%18.82%26.39%+1,684 bps
Capital
Risk-Based Capital3.42%2.36%4.21%5.42%2.16%-126 bps
Net Worth / Assets3.42%2.36%4.21%5.42%2.16%-126 bps
Liquidity & Funding
Loans / Shares65.15%64.24%64.49%71.96%64.94%-22 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps