Darlington, SC · Charter 12967
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.63% | 2.37% | 2.21% | 1.48% | 0.59% | -1.03% | -2.92% | -1.26% | -274 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -13.68% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 7.34% | 8.35% | 8.40% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 112.31% | 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 / Loans | 2.43% | 4.69% | 3.34% | 0.00% | 5.23% | 10.50% | 3.29% | 0.83% | +83 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 | 2.29% | 2.09% | 2.19% | 0.09% | 0.47% | 1.24% | 3.01% | 3.14% | +305 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 9.19% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 9.19% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.07% | 55.30% | 49.39% | 61.88% | 53.03% | 63.90% | 46.14% | 52.20% | -968 bps | |
| Liquid Assets / Assets | 31.20% | 33.75% | 31.56% | 35.94% | 35.37% | 34.60% | 32.57% | 29.74% | -621 bps | |