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First

Oak Creek, WI · Charter 67014

Q4 2015

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 2015, the quarter ended December 31, 2015, 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

First

Oak Creek, WI · Charter 67014

Q4 2015

$13.3MAssets
$7.4MLoans
$12.0MShares
$1.2MNet Worth

Executive Summary

  • Earnings: ROA of -1.53%, down 161 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 2.00% of loans (+109 bps YoY).
  • Capital: net worth / assets of 9.24%, down 83 bps from a year ago.
  • Funding: loans stand at 61.68% of shares as of Q4 2015.

Return on Assets (YTD, annualized)

-1.53%-161 bps YoY

Net Interest Margin (YTD, annualized)

2.56%-11 bps YoY

Efficiency Ratio (YTD, annualized)

117.78%+2,473 bps YoY

Net Worth / Assets

9.24%-83 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets-0.09%0.22%0.17%0.08%-0.21%-0.36%-0.79%-1.53%-161 bps
Return on Equity-0.89%2.18%1.64%0.83%-2.10%-3.53%-7.57%-16.52%-1,735 bps
Net Interest Margin2.80%2.63%2.67%2.68%2.51%2.65%2.68%2.56%-11 bps
Efficiency Ratio99.13%91.09%92.31%93.05%101.97%106.05%117.43%117.78%+2,473 bps
Growth
Asset Growth (YoY)3.56%4.71%4.15%2.88%3.62%-4.00%-8.15%-6.33%-920 bps
Loan Growth (YoY)-4.36%-7.95%-2.35%5.84%6.38%12.72%-0.72%-13.23%-1,907 bps
Share Growth (YoY)4.29%5.50%2.91%3.33%4.07%-4.19%-6.89%-5.43%-876 bps
Asset Quality
Delinquent Loans / Loans1.95%1.33%1.02%0.90%1.02%1.59%1.31%2.00%+109 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.00%0.93%0.77%0.70%0.73%0.77%0.76%0.76%+6 bps
Capital
Risk-Based Capital10.30%10.09%10.14%10.07%9.99%10.30%10.40%9.24%-83 bps
Net Worth / Assets10.30%10.09%10.14%10.07%9.99%10.30%10.40%9.24%-83 bps
Liquidity & Funding
Loans / Shares63.93%58.39%64.39%67.23%65.35%68.70%68.65%61.68%-555 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps