Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 16.7 and a capital leverage ratio of 10.2. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.4 has resulted in Good (6.6) profitability.
Other Rating Factors:
A current level of 6.4 percent of nonperforming loans to core capital combined with 4.6 percent from a year earlier contributes to the Good asset quality (5.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (24%), securities (21%), comm re (11%), comm loans (9%), cash (3%), consumer loans (2%), home eq lns (1%), other (28%)
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 City Bank Shares, Inc
Investment Rating
--
Address
331 South Main Street
Clay City, IL 62824
Clay City, IL 62824
Phone Number
(618) 676-1511
Year Founded
1892
FDIC Number
Website
Largest Affiliates
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