PackageTrendsPeer
Letter portraitLegal landscape

Dremco

Shelbyville, TN · Charter 68067

Q2 2011

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: Q2 2011, the quarter ended June 30, 2011, 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

Dremco

Shelbyville, TN · Charter 68067

Q2 2011

$1.9MAssets
$674KLoans
$1.1MShares
$744KNet Worth

Executive Summary

  • Earnings: ROA of -0.32%, down 66 bps year over year; NIM at 2.39%.
  • Asset quality: problem loans at 2.12% of loans (+166 bps YoY).
  • Capital: net worth / assets of 39.65%, up 248 bps from a year ago.
  • Funding: loans stand at 59.57% of shares as of Q2 2011.

Return on Assets (YTD, annualized)

-0.32%-66 bps YoY

Net Interest Margin (YTD, annualized)

2.39%-52 bps YoY

Efficiency Ratio (YTD, annualized)

110.58%+2,784 bps YoY

Net Worth / Assets

39.65%+248 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010Q3 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets-2.35%0.26%0.30%0.34%-0.08%0.01%-0.24%-0.32%-66 bps
Return on Equity-6.78%0.73%0.81%0.92%-0.22%0.02%-0.63%-0.80%-172 bps
Net Interest Margin2.74%2.87%2.90%2.91%2.69%2.94%2.48%2.39%-52 bps
Efficiency Ratio183.70%62.32%68.26%82.74%100.84%91.98%107.34%110.58%+2,784 bps
Growth
Asset Growth (YoY)0.70%-2.92%-2.55%-4.34%-5.23%-8.69%-3.97%-6.46%-212 bps
Loan Growth (YoY)-8.15%-10.17%-10.70%-11.93%-14.29%-3.46%-14.25%-13.23%-130 bps
Share Growth (YoY)0.92%-5.27%-4.72%-7.22%-9.16%-13.91%-6.30%-10.23%-301 bps
Asset Quality
Delinquent Loans / Loans1.25%0.00%1.85%0.47%0.00%1.96%1.26%2.12%+166 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.10%1.19%1.24%1.29%1.45%1.43%1.71%1.75%+46 bps
Capital
Risk-Based Capital34.71%35.87%37.07%37.18%37.57%39.51%38.74%39.65%+248 bps
Net Worth / Assets34.71%35.87%37.07%37.18%37.57%39.51%38.74%39.65%+248 bps
Liquidity & Funding
Loans / Shares60.72%59.61%62.39%61.63%57.29%66.84%57.09%59.57%-206 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps