Bank of Clarkson

Bank of Clarkson is headquartered in Clarkson and is the 119^st largest bank in the state of Kentucky. It is also the 4,486^th largest bank in the nation. It was established in 1904 and as of December of 2011, it had grown to 26 employees at 2 locations. Bank of Clarkson's savings rates are 92% higher than the national average, and it has a 4-star health rating.

Bank of Clarkson Routing Number: 083904660

Bank of Clarkson Checking Account Rates

Bank of Clarkson Savings Account Rates

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Bank of Clarkson CD Rates

Data for Q4 2011

Institution Statistics Bank of Clarkson FDIC Certificate # 13167 BankRate Report View Year Established 1904 Employees 26 Primary Regulator FDIC Assets and Liabilities Assets $118.19 million Loans $62.16 million Deposits $105.16 million Equity Capital $12.57 million Loan Loss Allowance $425,000 Unbacked Noncurrent Loans $979,000 Real Estate Owned $157,000 Historic Data - December 2010 Assets $118.59 million Equity Capital $12.52 million Loan Loss Allowance $411,000 Unbacked Noncurrent Loans $477,000 Real Estate Owned $203,000 Profit Margin - Quarterly Net Interest Margin 4.04% Return on Assets 1.21% Return on Equity 11.34% Interest Income $5.46 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 Clarkson had $1.14 million in non-current loans and owned real-estate with $12.99 million in equity and loan loss allowances on hand to cover it. This gives Bank of Clarkson a Texas Ratio of 8.74% 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 Clarkson held steady from 5.26% as of December 31, 2010 to 8.74% as of December 31, 2011, resulting in a negative change of 66.27%. This indicates that the balance sheet and financial strength for Bank of Clarkson has held steady in recent periods. Deposit Growth In the past year, Bank of Clarkson has increased its total deposits by $147,000, resulting in 0.14% 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 Clarkson 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 Clarkson has $118.19 million in assets with $12.99 million in equity, resulting in a capitalization level of 10.99%, which is above average.

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