Clay County State Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Fair (5.0) profitability. A current level of 17.7 percent of nonperforming loans to core capital combined with 19.3 percent from a year earlier contributes to the Fair asset quality (4.5).
Asset Mix:
Securities (35%), cash (19%), home mtgs (12%), comm re (10%), consumer loans (6%), comm loans (5%), other (13%)
States with Branches:
IL
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
Clay County State Bancshares, Inc.
Investment Rating
--
Address
111 North Church Street
Louisville, IL 62858
Louisville, IL 62858
Phone Number
(618) 665-3314
Year Founded
1905
FDIC Number
Website
Largest Affiliates
No affiliate information available.