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DPC

Atglen, PA · Charter 65404

Q4 2003

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: Q4 2003, the quarter ended December 31, 2003, 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

DPC

Atglen, PA · Charter 65404

Q4 2003

$719KAssets
$604KLoans
$632KShares
$73KNet 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 -7.57%, down 499 bps year over year; NIM at 7.18%.
  • Asset quality: problem loans at 10.15% of loans (-518 bps YoY).
  • Capital: net worth / assets of 10.08%, down 137 bps from a year ago.
  • Funding: loans stand at 95.64% of shares as of Q4 2003.

Financial Results

Return on Assets (YTD, annualized)

-7.57%-499 bps YoY

Net Interest Margin (YTD, annualized)

7.18%+203 bps YoY

Efficiency Ratio (YTD, annualized)

83.14%+365 bps YoY

Net Worth / Assets

10.08%-137 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets-2.58%0.31%-1.26%-3.88%-7.57%-499 bps
Return on Equity-22.56%2.79%-12.20%-45.01%-75.09%-5,253 bps
Net Interest Margin5.15%4.69%4.63%4.74%7.18%+203 bps
Efficiency Ratio79.49%79.39%80.21%81.70%83.14%+365 bps
Growth
Asset Growth (YoY)-14.76%-4.25%-11.67%-8.84%-35.46%-2,069 bps
Loan Growth (YoY)-16.05%-8.45%-9.53%-17.10%-27.44%-1,139 bps
Share Growth (YoY)-11.44%-2.68%-10.25%-4.48%-34.95%-2,351 bps
Asset Quality
Delinquent Loans / Loans15.32%11.46%11.98%7.47%10.15%-518 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans9.54%7.13%7.39%4.97%5.26%-429 bps
Capital
Risk-Based Capital11.45%10.97%10.37%8.63%10.08%-137 bps
Net Worth / Assets11.45%10.97%10.37%8.63%10.08%-137 bps
Liquidity & Funding
Loans / Shares85.75%77.46%75.62%71.35%95.64%+989 bps
Liquid Assets / Assets27.42%31.11%33.55%32.81%14.71%-1,271 bps