Clay County State Bank

Overview / Commentary

www.claycobank.com

618-665-3334

111 North Church Street
Louisville, IL 62858

Clay County State Bank is headquartered in Louisville and is the 331^st largest bank in the state of Illinois. It is also the 4,473^rd largest bank in the nation. It was established in 1905 and as of March of 2019, it had grown to 19 employees at 1 location. Clay County State Bank's CD rates are 94% higher than the national average, and it has an A health rating.

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Health

Data as of Q1 2019

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Clay County State Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	10821
Year Established	1905
Employees	19
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.31%
Return on Equity - YTD	9.04%
Annual Interest Income	$755.00K

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$76.5MM$77.0MM
Loans	Q1 2019vs Q1 2018	$50.8MM$50.0MM
Deposits	Q1 2019vs Q1 2018	$65.1MM$62.1MM
Equity Capital	Q1 2019vs Q1 2018	$11.3MM$10.8MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$543.00K$567.00K
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$800.00K$1.4MM
Real Estate Owned	Q1 2019vs Q1 2018	$0$0

Rates

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Savings
Checking
CD

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Clay County State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	$10	-	Passbook

Clay County State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	-	-	Super NOW
0.15%	-	-	NOW

Clay County State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.70%	$500	-	60 Month CD
2.50%	$500	-	48 Month CD
2.27%	$500	-	30 Month CD
2.25%	$500	-	24 Month CD
2.25%	$5k	-	36 Month CD
1.95%	$500	-	21 Month CD
1.86%	$500	-	18 Month CD
1.75%	$500	-	12 Month CD
1.75%	$500	-	15 Month CD
1.60%	$500	-	6 Month CD
1.50%	$500	-	3 Month CD
1.41%	$500	-	7 Month CD

Locations

Clay County State Bank Locations
Clay County State Bank	111 North Church Street	Louisville, IL 62858

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