Central State Bank in Clayton, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Central State Bank - Overview

  • General
  • FDIC Certificate #: 8487
    Status: Active
    Federal Reserve ID: 152440
    Bank Holding Company (Regulatory Top Holder): Clayton Bancshares, Inc. (RSSDID: 1095861, Location: Pleasant Hill, IL)
    Date Established: May 01, 1928
    WWW: http://www.csb123.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 5401
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 West Main Street, Clayton, IL 62324
    County: Adams
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Springfield Il
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Quincy, IL-MO (#39500)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $92.6 mil
    Equity capital: $14.0 mil
    Deposits held in domestic offices: $78.4 mil
    Return on assets (ROA): 2.60% ($2.4 mil)
    Quarterly return on assets: -0.34% (-$0.3 mil)
    Return on Equity (ROE): 17.70% ($2.5 mil)
    Quarterly return on equity: -2.22% (-$0.3 mil)
    Net income: $2.4 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 2.60% ($2,408.4 mil)
    Quarterly Pretax return on assets: -0.34% (-$314.9 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 30Total employees (full-time equivalent)
  • $92,632Total assets
  • $3,127Cash and due from depository institutions
  • $781Interest-bearing balances
  • $2,171Securities
  • $10,583Federal funds sold & reverse repurchase agreements
  • $73,247Net loans & leases
  • $1,122Loan loss allowance
  • $0Trading account assets
  • $409Bank premises and fixed assets
  • $1,097Other real estate owned
  • $0Goodwill and other intangibles
  • $92,632Life insurance assets
  • $1,998All other assets
  • $78,647Total liabilities and capital
  • $78,357Total liabilities
  • $62,738Total deposits
  • $78,357Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $290Subordinated debt
  • $13,985All other liabilities
  • $13,985Total equity capital
  • $13,985Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $500Surplus
  • $13,435Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,153Income earned, not collected on loans
  • $0Earning assets
  • $485Long-term assets (5+ years)
  • $86,782Average Assets, year-to-date
  • $2,137Average Assets, quarterly
  • $90,909Volatile liabilities
  • $91,679Insider loans
  • $81,827FHLB advances
  • $93,631Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,865Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,331Restructured Loans and leases
  • $607Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,774Total interest income
  • $1,101Total interest expense
  • $4,673Net interest income
  • $720Provision for loan and lease losses
  • $923Total noninterest income
  • $0Fiduciary activities
  • $330Service charges on deposit accounts
  • $0Trading account gains & fees
  • $593Additional noninterest income
  • $2,512Total noninterest expense
  • $1,221Salaries and employee benefits
  • $137Premises and equipment expense
  • $1,154Additional noninterest expense
  • $2,364Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $2,364Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,364Net income attributable to bank
  • $0Net charge-offs
  • $2,364Cash dividends
  • $732Sale, conversion, retirement of capital stock, net
  • $775Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.76%Yield on earning assets
  • 1.29%Cost of funding earning assets
  • 5.47%Net interest margin
  • 1.08%Noninterest income to earning assets
  • 2.94%Noninterest expense to earning assets
  • 2.60%Net operating income to assets
  • 2.60%Return on assets (ROA)
  • 2.60%Pretax return on assets
  • 17.70%Return on equity (ROE)
  • 11.90%Retained earnings to average equity (YTD only)
  • 0.96%Net charge-offs to loans
  • 98.36%Credit loss provision to net charge-offs
  • 4.21%Efficiency ratio
  • 44,889Assets per employee
  • 3.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 32.78%Loss allowance to loans
  • 1.51%Loss allowance to noncurrent loans
  • 35.59%Noncurrent assets plus other real estate owned to assets
  • 4.59%Noncurrent loans to loans
  • 4.24%Net loans and leases to deposits
  • 93.48%Net loans and leases to core deposits
  • 96.58%Equity capital to assets
  • 15.10%Core capital (leverage) ratio
  • 14.81%Tier 1 risk-based capital ratio
  • 16.94%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $90,909Average earning assets
  • $13,355Average equity
  • $85,375Average loans

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05401Central State Bank100 West Main Street, Clayton, IL 62324May 01, 1928Full Service Brick and Mortar
    1218599Pleasant Hill Branch701 Quincy Street, Pleasant Hill, IL 62366March 30, 1991Full Service Brick and Mortar
    221860012th Street Quincy Branch900 South 12th Street, Quincy, IL 62301September 21, 1998Full Service Brick and Mortar

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