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Decatur Earthmover

Decatur, IL · Charter 95023

Q4 2008

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: Q4 2008, the quarter ended December 31, 2008, 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

Decatur Earthmover

Decatur, IL · Charter 95023

Q4 2008

$241.1MAssets
$149.9MLoans
$212.1MShares
$30.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.49%, up 20 bps year over year; NIM at 2.59%.
  • Asset quality: problem loans at 0.38% of loans (+14 bps YoY).
  • Capital: net worth / assets of 12.79%, up 24 bps from a year ago.
  • Funding: loans stand at 70.69% of shares as of Q4 2008.

Return on Assets (YTD, annualized)

0.49%+20 bps YoY

Net Interest Margin (YTD, annualized)

2.59%+14 bps YoY

Efficiency Ratio (YTD, annualized)

85.16%-543 bps YoY

Net Worth / Assets

12.79%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008YoY ΔTrend
Earnings
Return on Assets0.15%0.23%0.23%0.29%0.50%0.62%0.56%0.49%+20 bps
Return on Equity1.30%1.87%1.81%2.33%4.10%5.12%4.45%3.86%+153 bps
Net Interest Margin2.34%2.52%2.46%2.46%2.44%2.48%2.59%2.59%+14 bps
Efficiency Ratio94.75%92.60%92.53%90.59%84.95%81.78%83.56%85.16%-543 bps
Growth
Asset Growth (YoY)-3.30%0.84%1.36%-2.19%0.81%4.71%3.66%2.13%+432 bps
Loan Growth (YoY)-3.52%-3.01%-2.70%-2.58%-2.19%-2.01%-0.35%-0.03%+255 bps
Share Growth (YoY)2.69%0.49%2.35%-2.88%1.22%5.53%4.27%3.19%+607 bps
Asset Quality
Delinquent Loans / Loans0.26%0.32%0.28%0.24%0.31%0.21%0.33%0.38%+14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.46%0.43%0.39%0.37%0.36%0.31%0.33%0.31%-6 bps
Capital
Risk-Based Capital11.80%12.19%12.51%12.55%12.07%12.13%12.61%12.79%+24 bps
Net Worth / Assets11.80%12.19%12.51%12.55%12.07%12.13%12.61%12.79%+24 bps
Liquidity & Funding
Loans / Shares69.65%72.53%74.17%72.97%67.30%67.35%70.88%70.69%-227 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps