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Darlington County Teachers

Darlington, SC · Charter 12967

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

Darlington County Teachers

Darlington, SC · Charter 12967

Q4 2000

$160KAssets
$75KLoans
$144KShares
$15KNet Worth

Executive Summary

  • Earnings: ROA of -1.26%, down 274 bps year over year; NIM at 8.40%.
  • Asset quality: problem loans at 0.83% of loans (+83 bps YoY).
  • Capital: net worth / assets of 9.19%.
  • Funding: loans stand at 52.20% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

-1.26%-274 bps YoY

Net Interest Margin (YTD, annualized)

8.40%

Efficiency Ratio (YTD, annualized)

93.46%

Net Worth / Assets

9.19%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets2.63%2.37%2.21%1.48%0.59%-1.03%-2.92%-1.26%-274 bps
Return on Equityn/an/an/an/an/an/an/a-13.68%n/an/a
Net Interest Marginn/an/an/an/an/a7.34%8.35%8.40%n/a
Efficiency Ration/an/an/an/an/a112.31%91.95%93.46%n/a
Growth
Asset Growth (YoY)8.10%7.33%10.30%5.50%-4.59%-1.57%-2.05%4.95%-56 bps
Loan Growth (YoY)6.14%2.93%5.66%3.00%7.39%17.03%-4.80%-8.02%-1,102 bps
Share Growth (YoY)7.26%6.98%10.93%7.32%-4.68%1.28%1.90%9.04%+172 bps
Asset Quality
Delinquent Loans / Loans2.43%4.69%3.34%0.00%5.23%10.50%3.29%0.83%+83 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.29%2.09%2.19%0.09%0.47%1.24%3.01%3.14%+305 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a9.19%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a9.19%n/an/a
Liquidity & Funding
Loans / Shares47.07%55.30%49.39%61.88%53.03%63.90%46.14%52.20%-968 bps
Liquid Assets / Assets31.20%33.75%31.56%35.94%35.37%34.60%32.57%29.74%-621 bps