The Clay City Banking Co.

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
2.02%	Reward Checking	Kasasa Cash 1.82% - National Average
0.45%	Reward Savings	Kasasa Saver 0.81% - National Average
1.51%	5-year CD	60 Month CD 2.35% - Synchrony Bank 60 Month CD

View all The Clay City Banking Co. rates »

Overview / Commentary

www.claycitybanking.com

618-676-1511

331 S. Main St
Clay City, IL 62824

The Clay City Banking Co. is headquartered in Clay City and is the 264^th largest bank in the state of Illinois. It is also the 3,797^th largest bank in the nation. It was established in 1892 and as of March of 2017, it had grown to 32 employees at 4 locations. The Clay City Banking Co. has a B health rating.

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Health

B

Data as of Q1 2017

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Health Grade Components

Overall
FDIC Certificate #	10845
Year Established	1892
Employees	32
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.8%
Return on Equity - YTD	8.57%
Annual Interest Income	$1.3MM

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$133.3MM$134.8MM
Loans	Q1 2017vs Q1 2016	$98.6MM$102.3MM
Deposits	Q1 2017vs Q1 2016	$120.0MM$116.8MM
Equity Capital	Q1 2017vs Q1 2016	$12.6MM$12.1MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$1.1MM$993.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$3.1MM$1.7MM
Real Estate Owned	Q1 2017vs Q1 2016	$122.00K$124.00K

Rates

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Money Market
Checking
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Clay City Banking Co. Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.45%^*	-	$35k	Kasasa Saver
OTHER TIERS: 0.15% → $35k+
0.20%	-	-	Passbook Savings Account
0.18%^*	$25k^*	-	Health Savings Account
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $25k

The Clay City Banking Co. Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$25k^*	-	Money Market
OTHER TIERS: 0.15% → $2,500 - $10k \| 0.18% → $10k - $25k

The Clay City Banking Co. Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%^*	-	$25k	Kasasa Cash
OTHER TIERS: 0.35% → $25k+
0.20%	$1k	-	1892 Founder's Club Checking
0.15%^*	$5k^*	-	Checking Plus
OTHER TIERS: 0.10% → $1k - $5k

The Clay City Banking Co. CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%	$1k	-	60 Month CD
1.21%	$1k	-	48 Month CD
0.80%	$1k	-	30 Month CD
0.65%	$1k	-	18 Month CD
0.55%	$1k	-	12 Month CD
0.45%	$1k	-	6 Month CD
0.40%	$1k	-	3 Month CD
0.35%	$1k	-	1 Month CD

The Clay City Banking Co. IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%	$1k	-	30 Month Fixed IRA
0.70%	$1k	-	18 Month Variable IRA
0.70%	$1k	-	18 Month Fixed IRA
0.60%	$1k	-	12 Month Fixed IRA

Locations

The Clay City Banking Co. Locations
Flora Branch	207 Gary Hagen Drive	Flora, IL 62839
Louisville Branch	225 Route 45 North	Louisville, IL 62858
The Clay City Banking Co.	331 South Main Street	Clay City, IL 62824
Fairfield Il Branch	915 Commerce Drive	Fairfield, IL 62837