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Ryerson Cleveland

Cleveland, OH · Charter 64073

Q4 2000

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 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.

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

Ryerson Cleveland

Cleveland, OH · Charter 64073

Q4 2000

$214KAssets
$34KLoans
$112KShares
$102KNet Worth

Executive Summary

  • Earnings: ROA of 0.21%, down 496 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 22.58% of loans (+2,160 bps YoY).
  • Capital: net worth / assets of 47.60%.
  • Funding: loans stand at 30.46% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

0.21%-496 bps YoY

Net Interest Margin (YTD, annualized)

3.71%

Efficiency Ratio (YTD, annualized)

94.36%

Net Worth / Assets

47.60%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets3.27%3.74%4.57%5.17%4.64%0.48%0.20%0.21%-496 bps
Return on Equityn/an/an/an/an/an/an/a0.44%n/an/a
Net Interest Marginn/an/an/an/an/a4.40%2.94%3.71%n/a
Efficiency Ration/an/an/an/an/a79.81%93.06%94.36%n/a
Growth
Asset Growth (YoY)0.72%-13.89%-29.75%-30.67%-28.51%-24.66%-7.55%-24.64%+604 bps
Loan Growth (YoY)-38.79%-18.85%26.81%27.81%6.01%-34.15%-61.31%-71.74%-9,955 bps
Share Growth (YoY)-3.78%-19.00%-39.22%-41.59%-37.63%-36.27%-12.83%-39.00%+258 bps
Asset Quality
Delinquent Loans / Loans4.35%0.85%3.58%0.98%0.96%3.55%12.69%22.58%+2,160 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans11.54%9.23%7.47%4.98%6.72%9.25%13.37%20.71%+1,573 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a47.60%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a47.60%n/an/a
Liquidity & Funding
Loans / Shares28.97%40.81%67.23%65.75%49.25%42.16%29.84%30.46%-3,528 bps
Liquid Assets / Assets51.23%68.02%48.30%52.70%58.34%64.81%75.12%82.07%+2,937 bps