Bank of Clarks in city_name, state_name - Detailed Financial Reports, Location

Bank of Clarks in Clarks, Nebraska (NE)
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Bank of Clarks routing number info

Bank of Clarks - Overview

General
FDIC Certificate #: 16953
Status: Active
Federal Reserve ID: 76153
Bank Holding Company (Regulatory Top Holder): Clark Bancshares, Inc. (RSSDID: 1065266, Location: Clarks, NE)
Date Established: Febuary 15, 1937
WWW: http://www.clarks.netbankofclarks/
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 11031
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: November 24, 1950
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 301 N Green, Clarks, NE 68628
County: Merrick
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Grand Island
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Grand Island, NE (#24260)
CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $36.3 mil
Equity capital: $3.4 mil
Deposits held in domestic offices: $32.1 mil
Return on assets (ROA): 0.57% ($0.2 mil)
Quarterly return on assets: 0.94% ($0.3 mil)
Return on Equity (ROE): 6.48% ($0.2 mil)
Quarterly return on equity: 10.11% ($0.3 mil)
Net income: $0.2 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.79% ($286.5 mil)
Quarterly Pretax return on assets: 1.17% ($424.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
10Total employees (full-time equivalent)
$36,263Total assets
$1,882Cash and due from depository institutions
$708Interest-bearing balances
$1,702Securities
$3,102Federal funds sold & reverse repurchase agreements
$27,532Net loans & leases
$716Loan loss allowance
$0Trading account assets
$542Bank premises and fixed assets
$33Other real estate owned
$0Goodwill and other intangibles
$36,263Life insurance assets
$1,470All other assets
$32,899Total liabilities and capital
$32,144Total liabilities
$25,027Total deposits
$32,144Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$524Trading liabilities
$0Other borrowed funds
$231Subordinated debt
$3,364All other liabilities
$3,364Total equity capital
$3,364Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$1,508Surplus
$1,356Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$563Income earned, not collected on loans
$0Earning assets
$573Long-term assets (5+ years)
$33,044Average Assets, year-to-date
$936Average Assets, quarterly
$36,715Volatile liabilities
$35,645Insider loans
$28,336FHLB advances
$35,829Loans and leases held for sale
$51Unused loan commitments
$51Tier 1 (core) risk-based capital
$3,364Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,837Restructured Loans and leases
$116Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$1,601Total interest income
$312Total interest expense
$1,289Net interest income
$24Provision for loan and lease losses
$168Total noninterest income
$0Fiduciary activities
$111Service charges on deposit accounts
$0Trading account gains & fees
$57Additional noninterest income
$1,142Total noninterest expense
$665Salaries and employee benefits
$196Premises and equipment expense
$281Additional noninterest expense
$291Pre-tax net operating income
$0Securities gains (losses)
$81Applicable income taxes
$210Income before extraordinary items
$0Extraordinary gains - net
$210Net income attributable to bank
$0Net charge-offs
$210Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.74%Yield on earning assets
0.92%Cost of funding earning assets
3.81%Net interest margin
0.50%Noninterest income to earning assets
3.38%Noninterest expense to earning assets
0.57%Net operating income to assets
0.57%Return on assets (ROA)
0.79%Pretax return on assets
6.48%Return on equity (ROE)
6.48%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
78,380Assets per employee
3.63%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.53%Loss allowance to noncurrent loans
127.18%Noncurrent assets plus other real estate owned to assets
1.64%Noncurrent loans to loans
1.99%Net loans and leases to deposits
85.65%Net loans and leases to core deposits
86.50%Equity capital to assets
9.28%Core capital (leverage) ratio
9.39%Tier 1 risk-based capital ratio
11.87%Total risk-based capital ratio
Memoranda
$13Average assets
$36,715Average earning assets
$3,240Average equity
$33,805Average loans

List of branches

2 Nebraska Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	11031	Bank Of Clarks	301 N Green, Clarks, NE 68628	Febuary 15, 1937	Full Service Brick and Mortar
1	5331	Farmers State Bank Of Silver Creek B	Second And Vine, Silver Creek, NE 68663	January 01, 1913	Full Service Brick and Mortar

Bank of Clarks in Clarks, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Clarks - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Clarks in Clarks, Nebraska (NE)Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Clarks - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Clarks in Clarks, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches