Clay County State Bank in Louisville, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Clay County State Bank - Overview

  • General
  • FDIC Certificate #: 10821
    Status: Active
    Federal Reserve ID: 498942
    Bank Holding Company (Regulatory Top Holder): Clay County State Bancshares, Inc. (RSSDID: 3390159, Location: Louisville, IL)
    Date Established: September 13, 1905
    WWW: http://www.claycobank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 9860
    FDIC's unique #: 6924
    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: April 25, 2007
    Last Structure Change Process Date: April 26, 2007
    Last Data Update: April 26, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 111 North Church Street, Louisville, IL 62858
    County: Clay
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Mount Vernon
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $76.8 mil
    Equity capital: $10.2 mil
    Deposits held in domestic offices: $63.3 mil
    Return on assets (ROA): 1.14% ($0.9 mil)
    Quarterly return on assets: 0.97% ($0.7 mil)
    Return on Equity (ROE): 8.67% ($0.9 mil)
    Quarterly return on equity: 7.19% ($0.7 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.16% ($890.8 mil)
    Quarterly Pretax return on assets: 0.99% ($760.2 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
  • 20Total employees (full-time equivalent)
  • $76,789Total assets
  • $1,071Cash and due from depository institutions
  • $7Interest-bearing balances
  • $42,393Securities
  • $900Federal funds sold & reverse repurchase agreements
  • $31,379Net loans & leases
  • $781Loan loss allowance
  • $0Trading account assets
  • $302Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $76,789Life insurance assets
  • $744All other assets
  • $66,587Total liabilities and capital
  • $63,343Total liabilities
  • $53,172Total deposits
  • $63,343Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 3000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $244Subordinated debt
  • $10,202All other liabilities
  • $10,202Total equity capital
  • $10,202Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $1,700Surplus
  • $8,202Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,359Income earned, not collected on loans
  • $0Earning assets
  • $455Long-term assets (5+ years)
  • $74,679Average Assets, year-to-date
  • $34,602Average Assets, quarterly
  • $75,822Volatile liabilities
  • $76,686Insider loans
  • $36,607FHLB advances
  • $76,750Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,535Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,970Restructured Loans and leases
  • $1,893Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,156Total interest income
  • $783Total interest expense
  • $2,373Net interest income
  • $68Provision for loan and lease losses
  • $218Total noninterest income
  • $0Fiduciary activities
  • $179Service charges on deposit accounts
  • $0Trading account gains & fees
  • $39Additional noninterest income
  • $1,619Total noninterest expense
  • $995Salaries and employee benefits
  • $121Premises and equipment expense
  • $503Additional noninterest expense
  • $904Pre-tax net operating income
  • -$21Securities gains (losses)
  • $17Applicable income taxes
  • $866Income before extraordinary items
  • $0Extraordinary gains - net
  • $866Net income attributable to bank
  • $0Net charge-offs
  • $866Cash dividends
  • -$43Sale, conversion, retirement of capital stock, net
  • $457Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.29%Yield on earning assets
  • 1.06%Cost of funding earning assets
  • 3.22%Net interest margin
  • 0.30%Noninterest income to earning assets
  • 2.20%Noninterest expense to earning assets
  • 1.17%Net operating income to assets
  • 1.14%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 8.67%Return on equity (ROE)
  • 4.10%Retained earnings to average equity (YTD only)
  • -0.13%Net charge-offs to loans
  • -158.14%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 62,486Assets per employee
  • 3.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 52.77%Loss allowance to loans
  • 2.43%Loss allowance to noncurrent loans
  • 57.47%Noncurrent assets plus other real estate owned to assets
  • 1.77%Noncurrent loans to loans
  • 4.23%Net loans and leases to deposits
  • 49.54%Net loans and leases to core deposits
  • 50.23%Equity capital to assets
  • 13.29%Core capital (leverage) ratio
  • 12.42%Tier 1 risk-based capital ratio
  • 26.05%Total risk-based capital ratio
  • Memoranda
  • $27Average assets
  • $75,822Average earning assets
  • $9,984Average equity
  • $73,623Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $14Managed Assets
  • 1Number of Accounts
  • $14Personal trust and agency accounts
  • $14Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06924Clay County State Bank111 North Church Street, Louisville, IL 62858September 13, 1905Full Service Brick and Mortar

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