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Cable Area

Cable, WI · Charter 67213

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

Cable Area

Cable, WI · Charter 67213

Q4 2001

$856KAssets
$631KLoans
$803KShares
$54KNet Worth

Executive Summary

  • Earnings: ROA of -0.20%, down 93 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 3.75% of loans (+95 bps YoY).
  • Capital: net worth / assets of 6.32%.
  • Funding: loans stand at 78.54% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

-0.20%-93 bps YoY

Net Interest Margin (YTD, annualized)

3.87%+11 bps YoY

Efficiency Ratio (YTD, annualized)

89.84%+994 bps YoY

Net Worth / Assets

6.32%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets3.95%3.63%3.96%0.73%-0.34%0.04%-0.03%-0.20%-93 bps
Return on Equityn/an/an/an/an/a0.48%-0.35%-3.19%n/a
Net Interest Marginn/an/an/a3.76%4.12%4.00%4.00%3.87%+11 bps
Efficiency Ration/an/an/a79.89%86.42%87.78%88.43%89.84%+994 bps
Growth
Asset Growth (YoY)18.17%29.07%16.70%21.48%30.53%17.43%15.56%28.34%+685 bps
Loan Growth (YoY)24.27%6.10%29.53%40.44%24.32%31.68%3.76%1.99%-3,845 bps
Share Growth (YoY)19.08%31.31%17.50%20.84%32.67%17.66%15.98%32.99%+1,215 bps
Asset Quality
Delinquent Loans / Loans5.46%6.76%5.24%2.80%4.06%2.23%8.49%3.75%+95 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.78%0.75%0.62%0.38%0.95%0.54%0.86%0.66%+28 bps
Capital
Risk-Based Capitaln/an/an/an/an/a7.61%7.34%6.32%n/a
Net Worth / Assetsn/an/an/an/an/a7.61%7.34%6.32%n/a
Liquidity & Funding
Loans / Shares92.03%76.38%93.15%102.41%86.23%85.48%83.33%78.54%-2,387 bps
Liquid Assets / Assets8.67%27.97%7.89%0.00%1.66%19.32%21.11%25.26%+2,526 bps