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D.O.T.

Nashville, TN · Charter 67719

Q3 2010

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 2010, the quarter ended September 30, 2010, 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

D.O.T.

Nashville, TN · Charter 67719

Q3 2010

$3.8MAssets
$1.8MLoans
$3.0MShares
$858KNet Worth

Executive Summary

  • Earnings: ROA of -1.01%, down 108 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.89% of loans (+74 bps YoY).
  • Capital: net worth / assets of 22.46%, down 71 bps from a year ago.
  • Funding: loans stand at 61.45% of shares as of Q3 2010.

Return on Assets (YTD, annualized)

-1.01%-108 bps YoY

Net Interest Margin (YTD, annualized)

4.00%-56 bps YoY

Efficiency Ratio (YTD, annualized)

109.97%+3,694 bps YoY

Net Worth / Assets

22.46%-71 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009Q4 2009Q1 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets0.87%0.82%-2.71%0.08%0.15%0.02%-1.22%-1.01%-108 bps
Return on Equity3.71%3.46%-11.62%0.33%0.63%0.08%-5.51%-4.49%-482 bps
Net Interest Margin5.13%5.14%4.81%4.56%4.60%4.51%3.91%4.00%-56 bps
Efficiency Ratio79.12%80.59%87.41%73.03%78.04%83.50%121.79%109.97%+3,694 bps
Growth
Asset Growth (YoY)5.34%7.15%1.93%2.61%1.19%2.05%7.31%-0.28%-289 bps
Loan Growth (YoY)0.66%0.09%1.75%1.79%6.54%-5.40%-14.65%-16.40%-1,819 bps
Share Growth (YoY)5.90%8.32%2.32%2.71%0.96%2.66%9.31%0.55%-216 bps
Asset Quality
Delinquent Loans / Loans0.04%0.05%0.00%0.15%0.24%0.57%0.70%0.89%+74 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.98%0.85%0.82%0.86%0.71%0.67%0.97%0.85%-1 bps
Capital
Risk-Based Capital23.47%23.77%23.32%23.17%23.47%23.32%22.08%22.46%-71 bps
Net Worth / Assets23.47%23.77%23.32%23.17%23.47%23.32%22.08%22.46%-71 bps
Liquidity & Funding
Loans / Shares72.75%77.45%76.69%73.91%76.77%71.36%59.88%61.45%-1,246 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps