| Weiss Ratings |
The Clay City Banking Co.
Clay City, IL |
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| Rating | ||||
| Asset Quality Index | 6.80 | |||
| Capitalization Index | 8.90 | |||
| Liquidity Index | 2.70 | |||
| Profitability Index | 5.80 | |||
| Stability Index | 5.20 | |||
| Company Info |
The Clay City Banking Co.
Clay City, IL |
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| FDIC Number | 10845 | |||
| Phone Number | (618) 676-1511 | |||
| Website | www.claycitybanking.bank | |||
| Asset Quality |
The Clay City Banking Co.
Clay City, IL |
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| 1-Year Asset Growth | 8.22% | |||
| 5-Year Asset Growth | 8.59% | |||
| 5-Year Charge-Offs to Average Loans | 0.09% | |||
| Charge-Offs to Average Loans | 0.05% | |||
| Non-Performing Assets to Assets | 0.23% | |||
| Non-Performing Loans to Capital | 3.94% | |||
| Non-Performing Loans to Loans | 0.34% | |||
| Balance Sheet |
The Clay City Banking Co.
Clay City, IL |
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| Total Assets | 234.00M | |||
| Total Deposits | 210.76M | |||
| Capital and Reserves |
The Clay City Banking Co.
Clay City, IL |
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| Capital | 21.34M | |||
| Leverage Ratio | 10.24 | |||
| Loan Loss Reserves to Loans | 0.92% | |||
| Risk-Based Capital Ratio | 16.15 | |||
| Liquidity |
The Clay City Banking Co.
Clay City, IL |
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| Hot Money Ratio | 13.49% | |||
| Liquidity Ratio | 15.97% | |||
| Profitability |
The Clay City Banking Co.
Clay City, IL |
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| 5-Year Return on Average Assets | 0.81% | |||
| Net Income | 1.98M | |||
| Net Interest Spread | 3.51% | |||
| Operating Profit to Average Assets | 1.57% | |||
| Overhead Efficiency Ratio | 61.35% | |||
| Return on Assets | 1.16% | |||
| Return on Equity | 13.33% | |||