PackageTrendsPeer
Letter portraitLegal landscape

City of South Euclid Employees

South Euclid, OH · Charter 62629

Q2 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: Q2 2001, the quarter ended June 30, 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

City of South Euclid Employees

South Euclid, OH · Charter 62629

Q2 2001

$1.6MAssets
$1.1MLoans
$1.2MShares
$378KNet Worth

Executive Summary

  • Earnings: ROA of 0.31%, down 162 bps year over year; NIM at 4.86%.
  • Asset quality: problem loans at 3.21% of loans (+86 bps YoY).
  • Capital: net worth / assets of 23.42%.
  • Funding: loans stand at 85.19% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

0.31%-162 bps YoY

Net Interest Margin (YTD, annualized)

4.86%

Efficiency Ratio (YTD, annualized)

91.06%

Net Worth / Assets

23.42%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets3.61%3.14%2.84%1.93%0.10%1.16%0.36%0.31%-162 bps
Return on Equityn/an/an/an/an/an/a1.47%1.33%n/a
Net Interest Marginn/an/an/an/a4.27%5.28%5.35%4.86%n/a
Efficiency Ration/an/an/an/a97.68%78.08%81.72%91.06%n/a
Growth
Asset Growth (YoY)-5.01%-0.61%-2.14%-5.83%-4.39%-3.79%-10.83%-7.49%-166 bps
Loan Growth (YoY)-9.53%-9.34%-10.75%-22.41%-21.62%12.25%14.17%16.55%+3,897 bps
Share Growth (YoY)-7.69%-2.90%-4.35%-7.83%-5.17%-4.92%-12.94%-10.20%-237 bps
Asset Quality
Delinquent Loans / Loans1.89%2.53%3.59%2.36%2.49%0.91%2.46%3.21%+86 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.22%1.37%1.18%1.29%0.82%0.63%1.05%1.04%-25 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a24.27%23.42%n/a
Net Worth / Assetsn/an/an/an/an/an/a24.27%23.42%n/a
Liquidity & Funding
Loans / Shares79.35%72.30%70.93%65.64%65.58%85.35%93.02%85.19%+1,955 bps
Liquid Assets / Assets30.55%36.37%37.05%41.93%38.82%28.26%18.89%32.52%-941 bps