Clay County Savings Bank

Clay County Savings Bank is headquartered in Liberty and is the 190^th largest bank in the state of Missouri. It is also the 4,890^th largest bank in the nation. It was established in 1922 and as of March of 2012, it had grown to 36 employees at 5 locations. Clay County Savings Bank has a 3-star health rating.

Clay County Savings Bank Routing Number: 301071709

Clay County Savings Bank Savings Account Rates

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Clay County Savings Bank IRA Rates

Data for Q1 2012

Institution Statistics Clay County Savings Bank OTS # 04055 FDIC Certificate # 29764 BankRate Report View Year Established 1922 Employees 36 Primary Regulator OCC Assets and Liabilities Assets $102.39 million Loans $74.48 million Deposits $86.73 million Equity Capital $10.02 million Loan Loss Allowance $860,000 Unbacked Noncurrent Loans $1.73 million Real Estate Owned $1.94 million Historic Data - March 2011 Assets $96.32 million Equity Capital $10.25 million Loan Loss Allowance $476,000 Unbacked Noncurrent Loans $1.35 million Real Estate Owned $1.50 million Profit Margin - Quarterly Net Interest Margin 3.67% Return on Assets 0.05% Return on Equity 0.48% Interest Income $963,000

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Clay County Savings Bank had $3.67 million in non-current loans and owned real-estate with $10.88 million in equity and loan loss allowances on hand to cover it. This gives Clay County Savings Bank a Texas Ratio of 33.71% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Clay County Savings Bank increased slightly from 26.53% as of March 31, 2011 to 33.71% as of March 31, 2012, resulting in a negative change of 27.03%. This indicates that the balance sheet and financial strength for Clay County Savings Bank has declined slightly in recent periods. Deposit Growth In the past year, Clay County Savings Bank has increased its total deposits by $5.66 million, resulting in 6.99% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Clay County Savings Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Clay County Savings Bank has $102.39 million in assets with $10.88 million in equity, resulting in a capitalization level of 10.62%, which is above average.

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