Cleveland, MS · Charter 21065
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Cleveland, MS · Charter 21065
Q4 2000
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.00% | 2.37% | -2.95% | 2.53% | 2.18% | -181 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 27.16% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 2.74% | 4.22% | 5.00% | n/a | |
| Efficiency Ratio | n/a | n/a | 125.40% | 82.52% | 74.81% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 19.27% | 23.64% | 39.75% | 23.44% | 6.21% | -1,306 bps | |
| Loan Growth (YoY) | 34.10% | -9.69% | -18.01% | 2.32% | -15.68% | -4,979 bps | |
| Share Growth (YoY) | 23.38% | 26.79% | 49.21% | 18.59% | 8.26% | -1,512 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.79% | 6.70% | 11.77% | 7.73% | 3.62% | +282 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.09% | 0.46% | 5.26% | 3.34% | 2.07% | +198 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 8.03% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 8.03% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.82% | 61.75% | 53.91% | 61.11% | 69.18% | -1,965 bps | |
| Liquid Assets / Assets | 13.13% | 36.41% | 43.17% | 35.71% | 35.76% | +2,264 bps | |