PackageTrendsPeer
Letter portraitLegal landscape

Roper Employees

Charleston, SC · Charter 20370

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

Roper Employees

Charleston, SC · Charter 20370

Q4 2000

$6.7MAssets
$3.2MLoans
$4.0MShares
$2.4MNet Worth

Executive Summary

  • Earnings: ROA of 3.30%, down 205 bps year over year; NIM at 5.79%.
  • Asset quality: problem loans at 1.52% of loans (-93 bps YoY).
  • Capital: net worth / assets of 35.34%.
  • Funding: loans stand at 78.81% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

3.30%-205 bps YoY

Net Interest Margin (YTD, annualized)

5.79%

Efficiency Ratio (YTD, annualized)

64.63%

Net Worth / Assets

35.34%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets5.03%5.65%5.33%5.35%4.66%2.44%3.39%3.30%-205 bps
Return on Equityn/an/an/an/an/an/an/a9.34%n/an/a
Net Interest Marginn/an/an/an/an/a5.39%4.96%5.79%n/a
Efficiency Ration/an/an/an/an/a70.53%56.95%64.63%n/a
Growth
Asset Growth (YoY)7.69%6.79%8.65%7.39%9.56%3.64%6.89%-0.67%-806 bps
Loan Growth (YoY)-18.70%-14.66%-11.51%-8.91%2.10%4.70%8.74%13.40%+2,231 bps
Share Growth (YoY)0.86%2.86%11.62%2.01%4.38%-7.13%-7.01%-12.59%-1,460 bps
Asset Quality
Delinquent Loans / Loans0.74%2.38%2.80%2.46%3.22%1.11%0.94%1.52%-93 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans3.04%4.17%4.58%5.14%4.50%4.27%3.86%3.51%-163 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a35.34%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a35.34%n/an/a
Liquidity & Funding
Loans / Shares58.69%59.10%54.20%60.75%57.40%66.63%63.39%78.81%+1,806 bps
Liquid Assets / Assets29.81%57.62%33.19%32.50%33.10%54.78%22.95%20.67%-1,183 bps