PackageTrendsPeer
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Cleveland Government Employees

Cleveland, MS · Charter 64065

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

Cleveland Government Employees

Cleveland, MS · Charter 64065

Q2 2001

$67KAssets
$21KLoans
$54KShares
$12KNet Worth

Executive Summary

  • Earnings: ROA of 4.11%, up 61 bps year over year; NIM at 5.34%.
  • Asset quality: problem loans at 0.70% of loans (+70 bps YoY).
  • Capital: net worth / assets of 17.88%.
  • Funding: loans stand at 37.87% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

4.11%+61 bps YoY

Net Interest Margin (YTD, annualized)

5.34%

Efficiency Ratio (YTD, annualized)

37.34%

Net Worth / Assets

17.88%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets3.25%4.35%4.28%3.50%0.05%2.24%1.89%4.11%+61 bps
Return on Equityn/an/an/an/an/an/a15.29%22.98%n/a
Net Interest Marginn/an/an/an/a1.91%3.43%3.41%5.34%n/a
Efficiency Ration/an/an/an/a98.16%52.12%54.99%37.34%n/a
Growth
Asset Growth (YoY)-2.43%9.01%-1.45%26.95%14.35%26.63%22.84%-20.39%-4,734 bps
Loan Growth (YoY)-12.01%6.89%-2.74%-18.24%27.48%26.00%42.51%89.15%+10,739 bps
Share Growth (YoY)-4.24%9.57%-3.75%29.35%14.54%28.25%23.61%-26.57%-5,591 bps
Asset Quality
Delinquent Loans / Loans2.07%2.34%3.41%0.00%0.60%2.86%0.64%0.70%+70 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.39%0.28%0.21%0.36%0.16%0.23%0.64%0.81%+46 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a12.34%17.88%n/a
Net Worth / Assetsn/an/an/an/an/an/a12.34%17.88%n/a
Liquidity & Funding
Loans / Shares32.29%24.09%31.16%14.70%35.94%23.67%35.93%37.87%+2,317 bps
Liquid Assets / Assets25.51%41.51%40.73%46.40%0.00%0.00%68.64%67.08%+2,068 bps