Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.8) profitability.
Other Rating Factors:
Very Weak liquidity 0.6, driven by a liquidity ratio of 7.7 percent and a “hot money” ratio of 11.0 percent. Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 11.2 and a capital leverage ratio of 8.5.
Asset Mix:
Home mtgs (15%), securities (10%), comm re (9%), comm loans (6%), consumer loans (5%), cash (2%), other (53%)
States with Branches:
NE
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Clark Bancshares, Inc.
Investment Rating
--
Address
301 North Green Street
Clarks, NE 68628
Clarks, NE 68628
Phone Number
(308) 548-2223
Year Founded
1937
FDIC Number
Website
Largest Affiliates
No affiliate information available.