PackageTrendsPeer
Letter portraitLegal landscape

Dresser Salisbury

Salisbury, MD · Charter 14435

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

Dresser Salisbury

Salisbury, MD · Charter 14435

Q4 2000

$763KAssets
$432KLoans
$489KShares
$272KNet Worth

Executive Summary

  • Earnings: ROA of -1.56%, down 666 bps year over year; NIM at 7.35%.
  • Asset quality: problem loans at 72.51% of loans (+6,786 bps YoY).
  • Capital: net worth / assets of 35.63%.
  • Funding: loans stand at 88.29% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

-1.56%-666 bps YoY

Net Interest Margin (YTD, annualized)

7.35%

Efficiency Ratio (YTD, annualized)

54.33%

Net Worth / Assets

35.63%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets5.94%5.69%4.83%5.10%4.82%2.25%1.11%-1.56%-666 bps
Return on Equityn/an/an/an/an/an/an/a-4.39%n/an/a
Net Interest Marginn/an/an/an/an/a5.05%5.05%7.35%n/a
Efficiency Ration/an/an/an/an/a55.38%60.14%54.33%n/a
Growth
Asset Growth (YoY)3.34%11.11%8.71%13.12%5.42%4.03%0.76%-31.91%-4,503 bps
Loan Growth (YoY)11.98%4.62%2.35%-3.50%19.15%6.23%-7.46%-23.22%-1,972 bps
Share Growth (YoY)-1.90%6.93%4.04%8.66%0.03%-1.21%-4.94%-43.13%-5,179 bps
Asset Quality
Delinquent Loans / Loans0.96%2.81%2.96%4.66%4.95%4.14%4.67%72.51%+6,786 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans5.53%4.88%4.86%3.83%2.80%2.79%0.80%5.73%+190 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a35.63%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a35.63%n/an/a
Liquidity & Funding
Loans / Shares63.63%68.13%70.80%65.40%75.79%73.27%68.92%88.29%+2,290 bps
Liquid Assets / Assets35.36%33.98%34.83%34.37%38.54%39.15%34.79%35.71%+134 bps