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First Dakota

Sioux Falls, SD · Charter 40

Q3 2011

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 2011, the quarter ended September 30, 2011, 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

First Dakota

Sioux Falls, SD · Charter 40

Q3 2011

$4.7MAssets
$2.5MLoans
$4.2MShares
$468KNet 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 -0.48%, down 67 bps year over year; NIM at 2.64%.
  • Asset quality: problem loans at 0.97% of loans (-156 bps YoY).
  • Capital: net worth / assets of 10.04%, down 200 bps from a year ago.
  • Funding: loans stand at 60.59% of shares as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-0.48%-67 bps YoY

Net Interest Margin (YTD, annualized)

2.64%-67 bps YoY

Efficiency Ratio (YTD, annualized)

104.41%+2,084 bps YoY

Net Worth / Assets

10.04%-200 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2010Q3 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets0.19%-1.05%0.25%-0.39%-0.48%-67 bps
Return on Equity1.59%-9.24%2.47%-3.80%-4.79%-637 bps
Net Interest Margin3.31%3.54%2.57%2.66%2.64%-67 bps
Efficiency Ratio83.57%89.29%91.52%95.87%104.41%+2,084 bps
Growth
Asset Growth (YoY)1.13%3.85%19.30%11.70%8.23%+711 bps
Loan Growth (YoY)23.01%3.87%-2.16%-12.46%-21.40%-4,441 bps
Share Growth (YoY)0.69%5.43%23.23%14.56%10.77%+1,008 bps
Asset Quality
Delinquent Loans / Loans2.53%0.00%1.00%1.00%0.97%-156 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.73%0.89%0.94%1.46%1.49%+76 bps
Capital
Risk-Based Capital12.05%11.34%10.16%10.29%10.04%-200 bps
Net Worth / Assets12.05%11.34%10.16%10.29%10.04%-200 bps
Liquidity & Funding
Loans / Shares85.38%76.44%63.94%62.74%60.59%-2,479 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps