Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Fair (4.8) profitability. A current level of 16.6 percent of nonperforming loans to core capital combined with 17.9 percent from a year earlier contributes to the Fair asset quality (3.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 17.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.4 on a scale of 0 to 10).
Asset Mix:
Home mtgs (24%), cash (23%), securities (9%), comm loans (8%), consumer loans (8%), comm re (4%), other (25%)
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
No affiliate information available.