PackageTrendsPeer
Letter portraitLegal landscape

First Superior

Sheboygan, WI · Charter 67179

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

First Superior

Sheboygan, WI · Charter 67179

Q4 2001

$33.6MAssets
$25.2MLoans
$29.3MShares
$3.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.06%, down 62 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 2.80% of loans (+119 bps YoY).
  • Capital: net worth / assets of 11.48%.
  • Funding: loans stand at 86.01% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

0.06%-62 bps YoY

Net Interest Margin (YTD, annualized)

3.84%-54 bps YoY

Efficiency Ratio (YTD, annualized)

89.22%+865 bps YoY

Net Worth / Assets

11.48%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets3.96%3.60%3.41%0.67%0.71%0.63%0.20%0.06%-62 bps
Return on Equityn/an/an/an/an/a4.98%1.76%0.50%n/a
Net Interest Marginn/an/an/a4.38%4.23%4.11%3.64%3.84%-54 bps
Efficiency Ration/an/an/a80.57%82.80%83.66%91.02%89.22%+865 bps
Growth
Asset Growth (YoY)9.21%11.53%12.24%17.87%22.09%18.58%22.45%20.11%+224 bps
Loan Growth (YoY)9.24%3.81%8.10%25.33%27.22%22.26%19.01%4.30%-2,103 bps
Share Growth (YoY)7.58%11.28%12.74%14.92%17.30%19.53%23.48%26.55%+1,163 bps
Asset Quality
Delinquent Loans / Loans1.69%2.43%1.67%1.61%1.44%1.85%2.62%2.80%+119 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.07%0.93%0.97%0.92%0.91%0.58%0.77%1.00%+8 bps
Capital
Risk-Based Capitaln/an/an/an/an/a12.58%11.38%11.48%n/a
Net Worth / Assetsn/an/an/an/an/a12.58%11.38%11.48%n/a
Liquidity & Funding
Loans / Shares94.55%92.78%86.48%104.36%102.54%94.91%83.35%86.01%-1,835 bps
Liquid Assets / Assets7.29%6.87%13.38%0.64%1.61%3.84%1.10%5.86%+522 bps