Cleveland, MS · Charter 64065
Q2 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.25% | 4.35% | 4.28% | 3.50% | 0.05% | 2.24% | 1.89% | 4.11% | +61 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 15.29% | 22.98% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 1.91% | 3.43% | 3.41% | 5.34% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 98.16% | 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 / Loans | 2.07% | 2.34% | 3.41% | 0.00% | 0.60% | 2.86% | 0.64% | 0.70% | +70 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.39% | 0.28% | 0.21% | 0.36% | 0.16% | 0.23% | 0.64% | 0.81% | +46 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 12.34% | 17.88% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 12.34% | 17.88% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.29% | 24.09% | 31.16% | 14.70% | 35.94% | 23.67% | 35.93% | 37.87% | +2,317 bps | |
| Liquid Assets / Assets | 25.51% | 41.51% | 40.73% | 46.40% | 0.00% | 0.00% | 68.64% | 67.08% | +2,068 bps | |