| Weiss Ratings |
The Clay City Banking Co.
Clay City, IL |
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| Rating | ||||
| Asset Quality Index | 6.30 | |||
| Capitalization Index | 8.70 | |||
| Liquidity Index | 2.80 | |||
| Profitability Index | 5.70 | |||
| Stability Index | 4.80 | |||
| 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 | 14.57% | |||
| 5-Year Asset Growth | 9.35% | |||
| 5-Year Charge-Offs to Average Loans | 0.09% | |||
| Charge-Offs to Average Loans | 0.05% | |||
| Non-Performing Assets to Assets | 0.51% | |||
| Non-Performing Loans to Capital | 5.90% | |||
| Non-Performing Loans to Loans | 0.74% | |||
| Balance Sheet |
The Clay City Banking Co.
Clay City, IL |
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| Total Assets | 250.70M | |||
| Total Deposits | 226.61M | |||
| Capital and Reserves |
The Clay City Banking Co.
Clay City, IL |
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| Capital | 22.15M | |||
| Leverage Ratio | 10.16 | |||
| Loan Loss Reserves to Loans | 0.96% | |||
| Risk-Based Capital Ratio | 15.76 | |||
| Liquidity |
The Clay City Banking Co.
Clay City, IL |
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| Hot Money Ratio | 12.72% | |||
| Liquidity Ratio | 18.13% | |||
| Profitability |
The Clay City Banking Co.
Clay City, IL |
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| 5-Year Return on Average Assets | 0.81% | |||
| Net Income | 2.61M | |||
| Net Interest Spread | 3.62% | |||
| Operating Profit to Average Assets | 1.53% | |||
| Overhead Efficiency Ratio | 62.19% | |||
| Return on Assets | 1.14% | |||
| Return on Equity | 12.88% | |||