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Deere & Company

Moline, IL · Charter 81414

Q1 2009

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: Q1 2009, the quarter ended March 31, 2009, 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

Deere & Company

Moline, IL · Charter 81414

Q1 2009

$378.8MAssets
$280.6MLoans
$348.1MShares
$29.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.80%, down 55 bps year over year; NIM at 2.52%.
  • Asset quality: problem loans at 0.31% of loans (+24 bps YoY).
  • Capital: net worth / assets of 7.76%, down 28 bps from a year ago.
  • Funding: loans stand at 80.63% of shares as of Q1 2009.

Return on Assets (YTD, annualized)

0.80%-55 bps YoY

Net Interest Margin (YTD, annualized)

2.52%-37 bps YoY

Efficiency Ratio (YTD, annualized)

65.90%+293 bps YoY

Net Worth / Assets

7.76%-28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009YoY ΔTrend
Earnings
Return on Assets1.21%1.28%0.77%1.35%1.60%1.62%0.98%0.80%-55 bps
Return on Equity14.07%14.24%9.96%16.83%18.97%18.07%12.78%10.35%-648 bps
Net Interest Margin2.83%2.86%2.24%2.89%2.84%2.88%2.33%2.52%-37 bps
Efficiency Ratio66.64%66.07%73.09%62.97%59.14%59.58%65.68%65.90%+293 bps
Growth
Asset Growth (YoY)9.96%13.21%11.64%12.47%16.17%14.97%15.04%16.83%+435 bps
Loan Growth (YoY)19.62%21.24%20.15%16.41%13.66%12.19%11.46%11.07%-535 bps
Share Growth (YoY)9.74%13.51%11.73%12.57%16.35%14.96%15.01%17.16%+458 bps
Asset Quality
Delinquent Loans / Loans0.07%0.15%0.10%0.07%0.15%0.34%0.44%0.31%+24 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.33%0.33%0.31%0.31%0.30%0.28%0.35%0.38%+7 bps
Capital
Risk-Based Capital8.61%9.00%7.69%8.04%8.45%8.98%7.66%7.76%-28 bps
Net Worth / Assets8.61%9.00%7.69%8.04%8.45%8.98%7.66%7.76%-28 bps
Liquidity & Funding
Loans / Shares89.87%96.53%84.07%85.05%87.79%94.20%81.48%80.63%-442 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps