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Dayton's Target

Minneapolis, MN · Charter 60381

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

Dayton's Target

Minneapolis, MN · Charter 60381

Q3 2011

$62.5MAssets
$21.5MLoans
$51.6MShares
$10.4MNet Worth

Executive Summary

  • Earnings: ROA of -0.22%, down 55 bps year over year; NIM at 2.49%.
  • Asset quality: problem loans at 0.22% of loans (+8 bps YoY).
  • Capital: net worth / assets of 16.62%, up 9 bps from a year ago.
  • Funding: loans stand at 41.68% of shares as of Q3 2011.

Return on Assets (YTD, annualized)

-0.22%-55 bps YoY

Net Interest Margin (YTD, annualized)

2.49%-8 bps YoY

Efficiency Ratio (YTD, annualized)

103.62%+1,595 bps YoY

Net Worth / Assets

16.62%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q3 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-0.08%-0.25%0.07%0.33%0.11%-0.21%-0.07%-0.22%-55 bps
Return on Equity-0.49%-1.59%0.43%1.97%0.66%-1.25%-0.40%-1.35%-332 bps
Net Interest Margin2.50%2.51%2.54%2.57%2.49%2.49%2.48%2.49%-8 bps
Efficiency Ratio101.53%76.54%74.20%87.67%90.05%101.60%98.89%103.62%+1,595 bps
Growth
Asset Growth (YoY)-1.92%0.04%1.67%-0.16%0.27%-4.38%-1.38%-1.43%-127 bps
Loan Growth (YoY)11.92%4.35%1.90%-6.62%-5.31%-2.40%-1.77%5.19%+1,181 bps
Share Growth (YoY)-2.75%-0.03%2.06%-0.12%0.21%-5.46%-2.39%-2.13%-201 bps
Asset Quality
Delinquent Loans / Loans0.03%0.72%0.88%0.14%0.13%0.33%0.32%0.22%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.18%0.95%1.04%1.15%1.23%1.37%1.37%1.28%+14 bps
Capital
Risk-Based Capital16.09%16.03%16.29%16.53%16.23%17.09%16.58%16.62%+9 bps
Net Worth / Assets16.09%16.03%16.29%16.53%16.23%17.09%16.58%16.62%+9 bps
Liquidity & Funding
Loans / Shares40.48%39.78%40.45%38.78%38.25%41.07%40.71%41.68%+290 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps