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Dry Branch

Dry Branch, GA · Charter 67726

Q3 2002

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 2002, the quarter ended September 30, 2002, 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

Dry Branch

Dry Branch, GA · Charter 67726

Q3 2002

$2.2MAssets
$1.1MLoans
$1.7MShares
$476KNet 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 -0.45%, down 396 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 8.83% of loans (+758 bps YoY).
  • Capital: net worth / assets of 21.54%, up 203 bps from a year ago.
  • Funding: loans stand at 63.33% of shares as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

-0.45%-396 bps YoY

Net Interest Margin (YTD, annualized)

4.20%-125 bps YoY

Efficiency Ratio (YTD, annualized)

77.42%+697 bps YoY

Net Worth / Assets

21.54%+203 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2000Q2 2001Q4 2001Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets3.51%1.12%0.99%-1.04%-0.45%-396 bps
Return on Equity17.97%5.79%4.55%-4.83%-2.10%-2,007 bps
Net Interest Margin5.45%4.53%4.94%4.03%4.20%-125 bps
Efficiency Ratio70.45%85.26%85.93%73.94%77.42%+697 bps
Growth
Asset Growth (YoY)5.34%4.58%-6.73%-7.97%-6.35%-1,169 bps
Loan Growth (YoY)9.74%4.80%-16.36%-28.71%-36.10%-4,584 bps
Share Growth (YoY)-0.37%-0.69%-12.98%-11.99%-8.67%-830 bps
Asset Quality
Delinquent Loans / Loans1.25%4.64%7.02%6.19%8.83%+758 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.11%2.08%2.35%2.28%2.78%+67 bps
Capital
Risk-Based Capital19.51%19.36%21.66%21.54%21.54%+203 bps
Net Worth / Assets19.51%19.36%21.66%21.54%21.54%+203 bps
Liquidity & Funding
Loans / Shares90.52%82.22%80.31%67.44%63.33%-2,719 bps
Liquid Assets / Assets18.54%29.27%35.49%45.08%48.44%+2,990 bps