Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Fair (3.8) profitability.
Other Rating Factors:
Very Weak liquidity 0.5, driven by a liquidity ratio of 10.1 percent and a “hot money” ratio of 13.3 percent. A current level of 15.6 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Fair asset quality (4.7).
Asset Mix:
Home mtgs (15%), securities (12%), comm re (9%), comm loans (5%), consumer loans (5%), cash (3%), other (51%)
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.