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Clark-Schwebel

Anderson, SC · Charter 20122

Q4 2001

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 2001, the quarter ended December 31, 2001, 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

Clark-Schwebel

Anderson, SC · Charter 20122

Q4 2001

$4.6MAssets
$2.9MLoans
$3.9MShares
$764KNet Worth

Executive Summary

  • Earnings: ROA of -0.32%, down 173 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 4.38% of loans (+285 bps YoY).
  • Capital: net worth / assets of 16.53%.
  • Funding: loans stand at 75.55% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

-0.32%-173 bps YoY

Net Interest Margin (YTD, annualized)

3.35%-10 bps YoY

Efficiency Ratio (YTD, annualized)

42.28%-276 bps YoY

Net Worth / Assets

16.53%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets6.09%5.67%5.33%1.42%1.60%1.91%1.56%-0.32%-173 bps
Return on Equityn/an/an/an/an/a10.90%9.47%-1.92%n/a
Net Interest Marginn/an/an/a3.44%3.04%3.19%2.74%3.35%-10 bps
Efficiency Ration/an/an/a45.03%47.11%45.85%46.96%42.28%-276 bps
Growth
Asset Growth (YoY)16.99%23.00%14.11%16.03%21.38%14.55%23.41%12.96%-307 bps
Loan Growth (YoY)29.85%23.96%11.55%14.08%12.88%16.17%12.04%-3.98%-1,806 bps
Share Growth (YoY)14.62%22.32%12.62%14.97%21.83%14.25%24.91%14.79%-18 bps
Asset Quality
Delinquent Loans / Loans1.14%2.94%1.29%1.53%1.65%2.51%2.53%4.38%+285 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.71%2.15%1.69%1.70%1.43%1.89%1.75%3.52%+181 bps
Capital
Risk-Based Capitaln/an/an/an/an/a17.54%16.48%16.53%n/a
Net Worth / Assetsn/an/an/an/an/a17.54%16.48%16.53%n/a
Liquidity & Funding
Loans / Shares91.52%87.18%87.55%90.32%84.80%88.65%78.53%75.55%-1,477 bps
Liquid Assets / Assets21.85%23.17%23.55%0.00%0.00%26.60%34.00%37.41%+3,741 bps