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Denison District Telephone CU

Denison, TX · Charter 67496

Q3 2012

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 2012, the quarter ended September 30, 2012, 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

Denison District Telephone CU

Denison, TX · Charter 67496

Q3 2012

$2.4MAssets
$555KLoans
$2.1MShares
$329KNet Worth

Executive Summary

  • Earnings: ROA of -22.64%, down 2,195 bps year over year; NIM at -17.42%.
  • Asset quality: problem loans at 0.00% of loans (-72 bps YoY).
  • Capital: net worth / assets of 13.75%, down 1,163 bps from a year ago.
  • Funding: loans stand at 27.04% of shares as of Q3 2012.

Return on Assets (YTD, annualized)

-22.64%-2,195 bps YoY

Net Interest Margin (YTD, annualized)

-17.42%-1,991 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

13.75%-1,163 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets-1.06%-0.41%-0.38%-0.69%-0.73%-0.95%-3.92%-22.64%-2,195 bps
Return on Equity-4.17%-1.57%-1.52%-2.74%-2.77%-3.36%-14.17%-164.64%-16,190 bps
Net Interest Margin3.08%2.67%2.52%2.49%2.51%2.09%2.02%-17.42%-1,991 bps
Efficiency Ratio139.30%115.31%115.21%127.89%129.14%145.58%254%n/an/a
Growth
Asset Growth (YoY)9.15%4.63%10.43%-0.32%-5.88%-11.49%-16.52%-17.99%-1,766 bps
Loan Growth (YoY)1.35%-9.39%-23.80%-29.85%-26.68%-29.37%-26.35%-19.63%+1,021 bps
Share Growth (YoY)15.09%8.51%16.18%0.79%-6.88%-14.41%-20.35%-5.62%-641 bps
Asset Quality
Delinquent Loans / Loans0.45%0.00%0.00%0.72%0.00%0.00%0.00%0.00%-72 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.18%1.31%1.49%1.62%0.90%1.03%2.94%1.83%+20 bps
Capital
Risk-Based Capital25.53%25.96%25.21%25.38%26.38%28.42%27.65%13.75%-1,163 bps
Net Worth / Assets25.53%25.96%25.21%25.38%26.38%28.42%27.65%13.75%-1,163 bps
Liquidity & Funding
Loans / Shares43.24%40.04%33.79%31.76%34.05%33.04%31.24%27.04%-472 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps