The Clay City Banking Co. in Clay City, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Clay City Banking Co. - Overview

  • General
  • FDIC Certificate #: 10845
    Status: Active
    Federal Reserve ID: 623548
    Bank Holding Company (Regulatory Top Holder): Clay City Bank Shares, Inc (RSSDID: 2576415, Location: Clay City, IL)
    Date Established: July 05, 1892
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 3, Interstate: No)
    FDIC's unique #: 6938
    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: No
    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: 331 South Main Street, Clay City, IL 62824
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $95.9 mil
    Equity capital: $9.7 mil
    Deposits held in domestic offices: $77.2 mil
    Return on assets (ROA): 0.71% ($0.7 mil)
    Quarterly return on assets: 0.35% ($0.3 mil)
    Return on Equity (ROE): 6.47% ($0.6 mil)
    Quarterly return on equity: 3.28% ($0.3 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.72% ($690.1 mil)
    Quarterly Pretax return on assets: 0.49% ($469.7 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
  • 34Total employees (full-time equivalent)
  • $95,851Total assets
  • $2,195Cash and due from depository institutions
  • $19Interest-bearing balances
  • $25,728Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $60,208Net loans & leases
  • $728Loan loss allowance
  • $0Trading account assets
  • $4,316Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $95,851Life insurance assets
  • $3,404All other assets
  • $86,110Total liabilities and capital
  • $77,186Total liabilities
  • $64,475Total deposits
  • $77,186Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 5285.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,900Trading liabilities
  • $0Other borrowed funds
  • $739Subordinated debt
  • $9,741All other liabilities
  • $9,741Total equity capital
  • $9,741Total bank equity capital
  • $0Perpetual preferred stock
  • $800Common stock
  • $867Surplus
  • $8,074Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $651Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $300Income earned, not collected on loans
  • $0Earning assets
  • $730Long-term assets (5+ years)
  • $85,955Average Assets, year-to-date
  • $17,054Average Assets, quarterly
  • $86,009Volatile liabilities
  • $91,385Insider loans
  • $66,461FHLB advances
  • $90,071Loans and leases held for sale
  • $2,168Unused loan commitments
  • $2,168Tier 1 (core) risk-based capital
  • $9,206Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,029Restructured Loans and leases
  • $487Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,452Total interest income
  • $751Total interest expense
  • $2,701Net interest income
  • $224Provision for loan and lease losses
  • $701Total noninterest income
  • $0Fiduciary activities
  • $257Service charges on deposit accounts
  • $0Trading account gains & fees
  • $444Additional noninterest income
  • $2,825Total noninterest expense
  • $1,696Salaries and employee benefits
  • $271Premises and equipment expense
  • $858Additional noninterest expense
  • $353Pre-tax net operating income
  • $265Securities gains (losses)
  • $5Applicable income taxes
  • $613Income before extraordinary items
  • $0Extraordinary gains - net
  • $613Net income attributable to bank
  • $0Net charge-offs
  • $613Cash dividends
  • $6Sale, conversion, retirement of capital stock, net
  • $105Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.46%Yield on earning assets
  • 0.97%Cost of funding earning assets
  • 3.49%Net interest margin
  • 0.91%Noninterest income to earning assets
  • 3.65%Noninterest expense to earning assets
  • 0.41%Net operating income to assets
  • 0.71%Return on assets (ROA)
  • 0.72%Pretax return on assets
  • 6.47%Return on equity (ROE)
  • 5.36%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 3733.33%Credit loss provision to net charge-offs
  • 96.17%Efficiency ratio
  • 83,039Assets per employee
  • 2.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 17.13%Loss allowance to loans
  • 1.19%Loss allowance to noncurrent loans
  • 242.67%Noncurrent assets plus other real estate owned to assets
  • 0.31%Noncurrent loans to loans
  • 0.49%Net loans and leases to deposits
  • 78.00%Net loans and leases to core deposits
  • 85.43%Equity capital to assets
  • 10.16%Core capital (leverage) ratio
  • 10.22%Tier 1 risk-based capital ratio
  • 13.85%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $86,009Average earning assets
  • $9,481Average equity
  • $77,387Average 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
  • $53Managed Assets
  • 1Number of Accounts
  • $53Personal trust and agency accounts
  • $53Employee 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
  • 2Number 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

  • 4 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06938The Clay City Banking Co.331 South Main Street, Clay City, IL 62824July 05, 1892Full Service Brick and Mortar
    1362658Flora Branch207 Gary Hagen Drive, Flora, IL 62839December 12, 2001Full Service Brick and Mortar
    2505494Louisville Branch225 Route 45 North, Louisville, IL 62858March 03, 2010Full Service Brick and Mortar
    3529515Fairfield Il Branch915 Commerce Drive, Fairfield, IL 62837Febuary 21, 2012Full Service Brick and Mortar

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