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Cushman

Lincoln, NE · Charter 24417

Q4 2001

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 2001, the quarter ended December 31, 2001, 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

Cushman

Lincoln, NE · Charter 24417

Q4 2001

$2.9MAssets
$1.7MLoans
$2.5MShares
$345KNet Worth

Executive Summary

  • Earnings: ROA of 0.80%, down 66 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 1.81% of loans (+114 bps YoY).
  • Capital: net worth / assets of 12.04%.
  • Funding: loans stand at 66.09% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

0.80%-66 bps YoY

Net Interest Margin (YTD, annualized)

3.74%-60 bps YoY

Efficiency Ratio (YTD, annualized)

69.51%+1,074 bps YoY

Net Worth / Assets

12.04%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets4.92%4.96%5.30%1.46%1.72%1.57%1.09%0.80%-66 bps
Return on Equityn/an/an/an/an/a12.99%9.04%6.63%n/a
Net Interest Marginn/an/an/a4.34%4.53%4.27%3.97%3.74%-60 bps
Efficiency Ration/an/an/a58.76%57.28%58.51%68.16%69.51%+1,074 bps
Growth
Asset Growth (YoY)0.49%9.72%11.66%22.91%19.87%21.77%22.81%18.16%-475 bps
Loan Growth (YoY)2.71%1.62%-3.92%-2.19%5.66%6.70%9.95%-3.18%-99 bps
Share Growth (YoY)-1.73%8.14%10.12%22.36%18.48%20.53%22.00%17.51%-485 bps
Asset Quality
Delinquent Loans / Loans0.65%1.32%0.92%0.66%0.34%0.75%1.50%1.81%+114 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.46%0.70%0.51%0.40%0.53%0.54%0.67%0.83%+43 bps
Capital
Risk-Based Capitaln/an/an/an/an/a12.08%12.10%12.04%n/a
Net Worth / Assetsn/an/an/an/an/a12.08%12.10%12.04%n/a
Liquidity & Funding
Loans / Shares94.64%89.64%85.63%80.22%84.40%79.35%77.17%66.09%-1,412 bps
Liquid Assets / Assets1.87%19.41%1.28%27.92%24.40%19.00%31.04%40.89%+1,297 bps