Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Fair (3.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.2 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (7.9). Excellent current capitalization (7.3 on a scale of 0 to 10) based on a risk-based capital ratio of 15.7 and a capital leverage ratio of 9.2.
Asset Mix:
Securities (30%), home mtgs (15%), cash (13%), consumer loans (11%), comm loans (10%), comm re (4%), other (18%)
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 Bancshares, Inc
Investment Rating
--
Address
1478 North Worthey Street
Flora, IL 62839
Flora, IL 62839
Phone Number
(618) 662-4441
Year Founded
1978
FDIC Number
Website
Largest Affiliates
No affiliate information available.