Bank of Clarks

Bank of Clarks is headquartered in Clarks and is the 171^st largest bank in the state of Nebraska. It is also the 6,808^th largest bank in the nation. It was established in 1937 and as of December of 2011, it had grown to 10 employees at 2 locations. Bank of Clarks' savings rates are 3X the national average, and it has a 4-star health rating.

Bank of Clarks Routing Number: 104909942

Bank of Clarks Savings Account Rates

Bank of Clarks Money Market Rates

Bank of Clarks CD Rates

Data for Q4 2011

Institution Statistics Bank of Clarks FDIC Certificate # 16953 BankRate Report View Year Established 1937 Employees 10 Primary Regulator FDIC Assets and Liabilities Assets $36.26 million Loans $27.53 million Deposits $32.14 million Equity Capital $3.36 million Loan Loss Allowance $716,000 Unbacked Noncurrent Loans $563,000 Real Estate Owned $33,000 Historic Data - December 2010 Assets $36.85 million Equity Capital $3.15 million Loan Loss Allowance $692,000 Unbacked Noncurrent Loans $256,000 Real Estate Owned $53,000 Profit Margin - Quarterly Net Interest Margin 3.81% Return on Assets 0.57% Return on Equity 6.48% Interest Income $1.60 million

Institution Health Overall Score: 4 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 Clarks had $596,000 in non-current loans and owned real-estate with $4.08 million in equity and loan loss allowances on hand to cover it. This gives Bank of Clarks a Texas Ratio of 14.61% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Clarks increased slightly from 8.03% as of December 31, 2010 to 14.61% as of December 31, 2011, resulting in a negative change of 81.82%. This indicates that the balance sheet and financial strength for Bank of Clarks has declined slightly in recent periods. Deposit Growth In the past year, Bank of Clarks has decreased its total deposits by $-270,000, resulting in -0.83% 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 Clarks has shown is 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 Clarks has $36.26 million in assets with $4.08 million in equity, resulting in a capitalization level of 11.25%, which is above average.

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