Institution Statistics
| Bank of Clarke County | | FDIC Certificate # | 6123 | | BankRate Report | View | | Year Established | 1881 | | Employees | 161 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $561.58 million | | Loans | $401.68 million | | Deposits | $448.78 million | | Equity Capital | $59.16 million | | Loan Loss Allowance | $8.74 million | | Unbacked Noncurrent Loans | $2.54 million | | Real Estate Owned | $2.38 million |
Historic Data - December 2010 | | Assets | $552.01 million | | Equity Capital | $54.25 million | | Loan Loss Allowance | $7.11 million | | Unbacked Noncurrent Loans | $8.39 million | | Real Estate Owned | $1.78 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.36% | | Return on Assets | 0.8% | | Return on Equity | 7.9% | | Interest Income | $27.26 million |
|
|
Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bank of Clarke County had $4.92 million in non-current loans and owned real-estate with $67.9 million in equity and loan loss allowances on hand to cover it. This gives Bank of Clarke County a Texas Ratio of 7.24% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Bank of Clarke County decreased significantly from 16.57% as of December 31, 2010 to 7.24% as of December 31, 2011, resulting in a positive change of 56.30%.This indicates that the balance sheet and financial strength for Bank of Clarke County has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Bank of Clarke County has increased its total deposits by $19.32 million, resulting in 4.5% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Clarke County has shown is above average. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Clarke County has $561.58 million in assets with $67.9 million in equity, resulting in a capitalization level of 12.09%, which is excellent. |
|
Average User Rating:
Horrible At Pleasant Valley Branch
My wife (black) and I (white) went in this bank with a check that was initiated for error corrections (It was a legal and legit check). Before even getting to Christy's (bank employee) teller both you could sense she had an attitude. She vigoursly scanned over all the checks (appeared to be trying to find a problem) and then went to the one check with the error corrections and initials and said she can't take the check and accused my wife of writing a bad check as if she was some kind of criminal. We then spoke to the bank branch manager Harry in Berryville and he said to have them put a hold on it, but they have to take it. We went back in and Christy still refused to take the check. We spoke to the manager there and told her we spoke with Harry, she said no still. Harry called and finally they took it and put a hold for a week on a perfectly good check (the check cleared in the other bank fast). The bank of clarke county refused to remove the hold even though the check had cleared in the other bank. I am writing to all those out there who are miniorities, if you have a problem with Christy or other's at the pleasant valley branch please complain and we can get her removed. You don't need to be discriminated and treated like criminals by this horrible teller.