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


  • Clarkson Bank in Clarkson, Nebraska (NE)
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Clarkson Bank - Overview

  • General
  • FDIC Certificate #: 14581
    Status: Active
    Federal Reserve ID: 1007958
    Bank Holding Company (Regulatory Top Holder): Clarkson Management Company (RSSDID: 1057878, Location: Clarkson, NE)
    Date Established: May 17, 1934
    WWW: http://www.clksnbk@megavision.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 12890
    FDIC's unique #: 9114
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: July 18, 1934
    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: 243 Pine Street, Clarkson, NE 68629
    County: Colfax
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Omaha
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $55.4 mil
    Equity capital: $6.6 mil
    Deposits held in domestic offices: $44.4 mil
    Return on assets (ROA): 1.91% ($1.1 mil)
    Quarterly return on assets: 1.34% ($0.7 mil)
    Return on Equity (ROE): 16.17% ($1.1 mil)
    Quarterly return on equity: 10.75% ($0.8 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.94% ($1,074.4 mil)
    Quarterly Pretax return on assets: 1.39% ($769.8 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
  • 9Total employees (full-time equivalent)
  • $55,381Total assets
  • $952Cash and due from depository institutions
  • $81Interest-bearing balances
  • $26,180Securities
  • $44Federal funds sold & reverse repurchase agreements
  • $26,669Net loans & leases
  • $878Loan loss allowance
  • $0Trading account assets
  • $193Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $55,381Life insurance assets
  • $1,343All other assets
  • $48,735Total liabilities and capital
  • $44,439Total liabilities
  • $38,146Total deposits
  • $44,439Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 900.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,300Trading liabilities
  • $0Other borrowed funds
  • $96Subordinated debt
  • $6,646All other liabilities
  • $6,646Total equity capital
  • $6,646Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $1,200Surplus
  • $5,046Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $117Income earned, not collected on loans
  • $0Earning assets
  • $841Long-term assets (5+ years)
  • $52,974Average Assets, year-to-date
  • $18,423Average Assets, quarterly
  • $53,515Volatile liabilities
  • $53,312Insider loans
  • $33,955FHLB advances
  • $54,249Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,877Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,502Restructured Loans and leases
  • $751Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,326Total interest income
  • $489Total interest expense
  • $1,837Net interest income
  • $0Provision for loan and lease losses
  • $103Total noninterest income
  • $0Fiduciary activities
  • $58Service charges on deposit accounts
  • $0Trading account gains & fees
  • $45Additional noninterest income
  • $1,021Total noninterest expense
  • $630Salaries and employee benefits
  • $47Premises and equipment expense
  • $344Additional noninterest expense
  • $919Pre-tax net operating income
  • $121Securities gains (losses)
  • $20Applicable income taxes
  • $1,020Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,020Net income attributable to bank
  • $0Net charge-offs
  • $1,020Cash dividends
  • -$20Sale, conversion, retirement of capital stock, net
  • $706Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.54%Yield on earning assets
  • 0.95%Cost of funding earning assets
  • 3.59%Net interest margin
  • 0.20%Noninterest income to earning assets
  • 1.99%Noninterest expense to earning assets
  • 1.68%Net operating income to assets
  • 1.91%Return on assets (ROA)
  • 1.94%Pretax return on assets
  • 16.17%Return on equity (ROE)
  • 4.98%Retained earnings to average equity (YTD only)
  • -0.08%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 52,629Assets per employee
  • 6.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 69.22%Loss allowance to loans
  • 3.19%Loss allowance to noncurrent loans
  • 750.43%Noncurrent assets plus other real estate owned to assets
  • 0.21%Noncurrent loans to loans
  • 0.42%Net loans and leases to deposits
  • 60.01%Net loans and leases to core deposits
  • 63.60%Equity capital to assets
  • 12.00%Core capital (leverage) ratio
  • 10.83%Tier 1 risk-based capital ratio
  • 17.31%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $53,515Average earning assets
  • $6,309Average equity
  • $51,218Average loans

List of branches

  • 1 Nebraska Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09114Clarkson Bank243 Pine Street, Clarkson, NE 68629May 17, 1934Full Service Brick and Mortar

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