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S. C. Farm Bureau

Cayce-West Col, SC · Charter 60804

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

S. C. Farm Bureau

Cayce-West Col, SC · Charter 60804

Q4 2000

$1.3MAssets
$990KLoans
$1.0MShares
$290KNet Worth

Executive Summary

  • Earnings: ROA of 2.81%, down 150 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 1.53% of loans (-33 bps YoY).
  • Capital: net worth / assets of 22.03%.
  • Funding: loans stand at 96.58% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

2.81%-150 bps YoY

Net Interest Margin (YTD, annualized)

4.00%

Efficiency Ratio (YTD, annualized)

16.97%

Net Worth / Assets

22.03%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets6.19%6.27%6.15%4.30%5.19%2.50%2.60%2.81%-150 bps
Return on Equityn/an/an/an/an/an/an/a12.74%n/an/a
Net Interest Marginn/an/an/an/an/a3.30%3.78%4.00%n/a
Efficiency Ration/an/an/an/an/a17.98%18.70%16.97%n/a
Growth
Asset Growth (YoY)29.34%28.07%18.44%25.71%20.37%9.73%-0.61%-18.04%-4,375 bps
Loan Growth (YoY)-6.80%9.24%21.02%6.27%-1.01%-7.54%-14.41%11.33%+506 bps
Share Growth (YoY)27.90%26.14%15.48%25.75%19.78%7.38%-5.06%-26.27%-5,202 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.07%1.86%1.61%4.98%2.36%1.53%-33 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.00%0.99%0.99%1.00%1.50%1.50%1.90%2.00%+100 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a22.03%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a22.03%n/an/a
Liquidity & Funding
Loans / Shares68.41%75.19%80.14%63.96%56.54%64.75%72.25%96.58%+3,262 bps
Liquid Assets / Assets40.19%34.60%30.24%42.80%49.77%44.29%21.43%23.98%-1,883 bps