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Derby Teachers

Derby, KS · Charter 63274

Q3 2006

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 2006, the quarter ended September 30, 2006, 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

Derby Teachers

Derby, KS · Charter 63274

Q3 2006

$2.4MAssets
$2.3MLoans
$2.0MShares
$306KNet Worth

Executive Summary

  • Earnings: ROA of -4.96%, down 567 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 6.05% of loans (+540 bps YoY).
  • Capital: net worth / assets of 12.81%, down 172 bps from a year ago.
  • Funding: loans stand at 110.60% of shares as of Q3 2006.

Return on Assets (YTD, annualized)

-4.96%-567 bps YoY

Net Interest Margin (YTD, annualized)

2.73%-20 bps YoY

Efficiency Ratio (YTD, annualized)

154.27%+8,910 bps YoY

Net Worth / Assets

12.81%-172 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets1.15%0.58%0.59%0.71%0.73%0.60%0.74%-4.96%-567 bps
Return on Equity7.88%4.00%4.14%4.90%4.62%3.71%4.61%-38.69%-4,359 bps
Net Interest Margin2.95%2.84%2.91%2.93%3.12%2.85%2.89%2.73%-20 bps
Efficiency Ratio61.29%62.92%64.72%65.17%68.13%78.98%74.54%154.27%+8,910 bps
Growth
Asset Growth (YoY)3.06%1.18%0.41%8.12%-3.45%-6.00%-8.00%-11.50%-1,961 bps
Loan Growth (YoY)5.41%0.72%13.49%15.27%10.31%11.65%8.81%6.84%-842 bps
Share Growth (YoY)2.16%0.27%-0.39%8.52%-4.84%-7.80%-10.16%-11.28%-1,980 bps
Asset Quality
Delinquent Loans / Loans1.74%4.02%0.58%0.66%1.06%0.82%0.51%6.05%+540 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.30%0.48%0.60%0.45%0.33%0.35%0.33%3.06%+261 bps
Capital
Risk-Based Capital14.64%14.62%14.16%14.53%15.86%16.25%16.12%12.81%-172 bps
Net Worth / Assets14.64%14.62%14.16%14.53%15.86%16.25%16.12%12.81%-172 bps
Liquidity & Funding
Loans / Shares89.85%84.85%86.62%91.84%104.16%102.75%104.91%110.60%+1,876 bps
Liquid Assets / Assets21.29%25.61%23.96%19.44%10.25%11.75%0.00%0.00%-1,944 bps