Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 17.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.3 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 2.9%, coupled with a return on assets of 2.9 has resulted in Excellent (8.6) profitability. A current level of 10.4 percent of nonperforming loans to core capital combined with 21.7 percent from a year earlier contributes to the Fair asset quality (4.3).
Asset Mix:
Home mtgs (24%), cash (24%), securities (10%), comm loans (9%), consumer loans (7%), comm re (4%), other (22%)
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
Clayton Bancshares, Inc.
Investment Rating
--
Address
100 West Main Street
Clayton, IL 62324
Clayton, IL 62324
Phone Number
(217) 894-6596
Year Founded
1928
FDIC Number
Website
Largest Affiliates
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