The Clay City Banking Co. in Clay City, Illinois (IL)

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The Clay City Banking Co. routing number info

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The Clay City Banking Co.
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)34
Total assets$95,851
Cash and due from depository institutions$2,195
Interest-bearing balances$19
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$60,208
Loan loss allowance $728
Trading account assets$0
Bank premises and fixed assets$4,316
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$3,404
Life insurance assets$95,851
Total liabilities and capital$86,110
Total liabilities$77,186
Total deposits$64,475
Interest-bearing deposits$77,186
Deposits held in domestic offices$90
% insured (estimated)5285.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,900
Other borrowed funds $0
Subordinated debt $739
All other liabilities $9,741
Total equity capital$9,741
Total bank equity capital$9,741
Perpetual preferred stock$0
Common stock$800
Undivided profits $8,074
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $651
Income earned, not collected on loans $300
Earning assets $0
Long-term assets (5+ years) $730
Average Assets, year-to-date $85,955
Average Assets, quarterly $17,054
Volatile liabilities $86,009
Insider loans $91,385
FHLB advances $66,461
Loans and leases held for sale $90,071
Unused loan commitments $2,168
Tier 1 (core) risk-based capital $2,168
Tier 2 risk-based capital $9,206
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $11,029
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,452
Total interest expense $751
Net interest income $2,701
Provision for loan and lease losses $224
Total noninterest income $701
Fiduciary activities $0
Service charges on deposit accounts $257
Trading account gains & fees $0
Additional noninterest income $444
Total noninterest expense $2,825
Salaries and employee benefits $1,696
Premises and equipment expense $271
Additional noninterest expense $858
Pre-tax net operating income $353
Securities gains (losses) $265
Applicable income taxes $5
Income before extraordinary items $613
Extraordinary gains - net $0
Net income attributable to bank $613
Net charge-offs $0
Cash dividends $613
Sale, conversion, retirement of capital stock, net $6
Net operating income $105
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.46%
Cost of funding earning assets 0.97%
Net interest margin 3.49%
Noninterest income to earning assets 0.91%
Noninterest expense to earning assets 3.65%
Net operating income to assets 0.41%
Return on assets (ROA) 0.71%
Pretax return on assets 0.72%
Return on equity (ROE) 6.47%
Retained earnings to average equity (YTD only) 5.36%
Net charge-offs to loans 0.01%
Credit loss provision to net charge-offs 3733.33%
Efficiency ratio96.17%
Assets per employee$83,039
Cash dividends to net income (YTD only)2.82%
Condition Ratios (%)
Loss allowance to loans 17.13%
Loss allowance to noncurrent loans 1.19%
Noncurrent assets plus other real estate owned to assets 242.67%
Noncurrent loans to loans 0.31%
Net loans and leases to deposits0.49%
Net loans and leases to core deposits 78.00%
Equity capital to assets 85.43%
Core capital (leverage) ratio 10.16%
Tier 1 risk-based capital ratio 10.22%
Total risk-based capital ratio 13.85%
Average assets$15
Average earning assets$86,009
Average equity $9,481
Average loans $77,387
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$53
Number of Accounts1
Personal trust and agency accounts$53
Employee benefit-defined contribution accounts$53
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts2
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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