The Clay City Banking Co. in city_name, state_name - Detailed Financial Reports, Location

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

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
WWW: http://www.claycitybanking.com
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

No	ID	Name	Address	Established	Service Type
0	6938	The Clay City Banking Co.	331 South Main Street, Clay City, IL 62824	July 05, 1892	Full Service Brick and Mortar
1	362658	Flora Branch	207 Gary Hagen Drive, Flora, IL 62839	December 12, 2001	Full Service Brick and Mortar
2	505494	Louisville Branch	225 Route 45 North, Louisville, IL 62858	March 03, 2010	Full Service Brick and Mortar
3	529515	Fairfield Il Branch	915 Commerce Drive, Fairfield, IL 62837	Febuary 21, 2012	Full Service Brick and Mortar

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

The Clay City Banking Co. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

The Clay City Banking Co. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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