FDIC Certificate #: 14581 Status: Active Federal Reserve ID: 1007958 Bank Holding Company (Regulatory Top Holder): Clarkson Management Company (RSSDID: 1057878, Location: Clarkson, NE) Date Established: May 17, 1934 WWW:http://www.clksnbk@megavision.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 12890 FDIC's unique #: 9114 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: July 18, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 243 Pine Street, Clarkson, NE 68629 County: Colfax Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Omaha Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $55.4 mil Equity capital: $6.6 mil Deposits held in domestic offices: $44.4 mil Return on assets (ROA): 1.91% ($1.1 mil) Quarterly return on assets: 1.34% ($0.7 mil) Return on Equity (ROE): 16.17% ($1.1 mil) Quarterly return on equity: 10.75% ($0.8 mil) Net income: $1.0 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.94% ($1,074.4 mil) Quarterly Pretax return on assets: 1.39% ($769.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
9Total employees (full-time equivalent)
$55,381Total assets
$952Cash and due from depository institutions
$81Interest-bearing balances
$26,180Securities
$44Federal funds sold & reverse repurchase agreements
$26,669Net loans & leases
$878Loan loss allowance
$0Trading account assets
$193Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$55,381Life insurance assets
$1,343All other assets
$48,735Total liabilities and capital
$44,439Total liabilities
$38,146Total deposits
$44,439Interest-bearing deposits
$86Deposits held in domestic offices
900.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,300Trading liabilities
$0Other borrowed funds
$96Subordinated debt
$6,646All other liabilities
$6,646Total equity capital
$6,646Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$1,200Surplus
$5,046Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$117Income earned, not collected on loans
$0Earning assets
$841Long-term assets (5+ years)
$52,974Average Assets, year-to-date
$18,423Average Assets, quarterly
$53,515Volatile liabilities
$53,312Insider loans
$33,955FHLB advances
$54,249Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,877Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,502Restructured Loans and leases
$751Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,326Total interest income
$489Total interest expense
$1,837Net interest income
$0Provision for loan and lease losses
$103Total noninterest income
$0Fiduciary activities
$58Service charges on deposit accounts
$0Trading account gains & fees
$45Additional noninterest income
$1,021Total noninterest expense
$630Salaries and employee benefits
$47Premises and equipment expense
$344Additional noninterest expense
$919Pre-tax net operating income
$121Securities gains (losses)
$20Applicable income taxes
$1,020Income before extraordinary items
$0Extraordinary gains - net
$1,020Net income attributable to bank
$0Net charge-offs
$1,020Cash dividends
-$20Sale, conversion, retirement of capital stock, net
$706Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.54%Yield on earning assets
0.95%Cost of funding earning assets
3.59%Net interest margin
0.20%Noninterest income to earning assets
1.99%Noninterest expense to earning assets
1.68%Net operating income to assets
1.91%Return on assets (ROA)
1.94%Pretax return on assets
16.17%Return on equity (ROE)
4.98%Retained earnings to average equity (YTD only)
-0.08%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
52,629Assets per employee
6.15%Cash dividends to net income (YTD only)
Condition Ratios (%)
69.22%Loss allowance to loans
3.19%Loss allowance to noncurrent loans
750.43%Noncurrent assets plus other real estate owned to assets
0.21%Noncurrent loans to loans
0.42%Net loans and leases to deposits
60.01%Net loans and leases to core deposits
63.60%Equity capital to assets
12.00%Core capital (leverage) ratio
10.83%Tier 1 risk-based capital ratio
17.31%Total risk-based capital ratio
Memoranda
$19Average assets
$53,515Average earning assets
$6,309Average equity
$51,218Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9114
Clarkson Bank
243 Pine Street, Clarkson, NE 68629
May 17, 1934
Full Service Brick and Mortar
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