PackageTrendsPeer
Letter portraitLegal landscape

SNC Warsaw Employees

Warsaw, NC · Charter 63544

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

SNC Warsaw Employees

Warsaw, NC · Charter 63544

Q4 2000

$822KAssets
$611KLoans
$749KShares
$39KNet Worth

Executive Summary

  • Earnings: ROA of -2.54%, down 694 bps year over year; NIM at 5.64%.
  • Asset quality: problem loans at 20.20% of loans (-20 bps YoY).
  • Capital: net worth / assets of 4.71%.
  • Funding: loans stand at 81.56% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

-2.54%-694 bps YoY

Net Interest Margin (YTD, annualized)

5.64%

Efficiency Ratio (YTD, annualized)

88.20%

Net Worth / Assets

4.71%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets3.62%4.12%3.41%4.40%5.48%-2.54%0.62%-2.54%-694 bps
Return on Equityn/an/an/an/an/an/an/a-53.87%n/an/a
Net Interest Marginn/an/an/an/an/a5.64%6.51%5.64%n/a
Efficiency Ration/an/an/an/an/a88.20%32.10%88.20%n/a
Growth
Asset Growth (YoY)13.09%-14.26%2.16%31.79%59.87%61.45%57.82%21.40%-1,039 bps
Loan Growth (YoY)22.62%6.82%3.27%9.52%19.01%38.13%52.07%25.81%+1,629 bps
Share Growth (YoY)25.49%-16.75%1.73%32.44%60.72%66.08%62.55%23.47%-897 bps
Asset Quality
Delinquent Loans / Loans4.11%12.61%17.63%20.39%14.58%20.20%31.53%20.20%-20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans3.66%2.98%2.29%0.78%1.03%5.52%2.93%5.52%+474 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a4.71%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a4.71%n/an/a
Liquidity & Funding
Loans / Shares104.59%98.06%81.29%80.04%77.44%81.56%76.05%81.56%+152 bps
Liquid Assets / Assets3.42%9.94%19.05%12.85%4.77%14.95%8.92%24.70%+1,185 bps