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
No
ID
Name
Address
Established
Service Type
Map
0
6924
Clay County State Bank
111 North Church Street, Louisville, IL 62858
September 13, 1905
Full Service Brick and Mortar
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