Dickinson, ND · Charter 62684
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Dickinson, ND · Charter 62684
Q4 2009
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | -2.84% | -2.02% | -1.46% | -14.98% | -1,506 bps | |
| Return on Equity | 0.47% | -20.14% | -14.72% | -8.90% | -1106% | -110,600 bps | |
| Net Interest Margin | 2.70% | 2.84% | 2.54% | 3.51% | -10.38% | -1,308 bps | |
| Efficiency Ratio | 109.54% | 123.31% | 111.80% | 102.80% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 17.42% | 11.63% | 9.98% | -2.46% | -3.53% | -2,095 bps | |
| Loan Growth (YoY) | -6.84% | -8.95% | 0.91% | -6.39% | -5.32% | +153 bps | |
| Share Growth (YoY) | 21.30% | 14.84% | 13.19% | -1.97% | 12.97% | -833 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.87% | 3.70% | 3.48% | 2.93% | 3.38% | -49 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.92% | 5.24% | 5.42% | 4.92% | 5.20% | +28 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.76% | 14.10% | 13.71% | 16.43% | 1.36% | -1,441 bps | |
| Net Worth / Assets | 15.76% | 14.10% | 13.71% | 16.43% | 1.36% | -1,441 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.08% | 24.28% | 23.20% | 31.48% | 23.53% | -455 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |