The Scott County State Bank

125 West Mcclain Avenue
Scottsburg, IN 47170
(812) 752-4501
www.scottcountystatebank.com

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The Scott County State Bank is headquartered in Scottsburg and is the 94^th largest bank in the state of Indiana. It is also the 4,312^st largest bank in the nation. It was established in 1890 and as of March of 2012, it had grown to 28 employees at 4 locations. The Scott County State Bank has a 3-star health rating.

The Scott County State Bank Routing Number: 083905135

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See Rates for: Checking | Savings | Money Market | CD | IRA

The Scott County State Bank Checking Account Rates

	Apy	Min	Max	Product
	0.05%	$50	-	NOW Checking Account

The Scott County State Bank Savings Account Rates

Apy	Min	Max	Product
0.10%	-	-	Kid's Cash Savings
0.10%	-	-	Personal Savings
0.05%	$10k	-	Health Savings Account

The Scott County State Bank Money Market Rates

	Apy	Min	Max	Product
	0.31%	$25k	-	The ACCOUNT Money Market

The Scott County State Bank CD Rates

Apy	Min	Max	Product
1.52%	$500	-	60-120 Month CD
1.26%	$500	-	48-59 Month CD
0.79%	$500	-	30-47 Month CD
0.71%	$500	-	24-29 Month CD
0.56%	$500	-	11 Month CD Special
0.52%	$500	-	18-23 Month CD
0.44%	$500	-	12-17 Month CD
0.33%	$500	-	9-11 Month CD
0.30%	$500	-	6-8 Month CD
0.17%	$500	-	8-91 Day CD
0.17%	$500	-	1-5 Month CD

The Scott County State Bank IRA Rates

Apy	Min	Max	Product
1.52%	$500	-	60-120 Month IRA
1.52%	$500	-	60-120 Month Roth IRA
1.52%	$500	-	60-120 Month HSA
1.52%	$500	-	60-120 Month Education IRA
1.26%	$500	-	48-59 Month IRA
1.26%	$500	-	48-59 Month Roth IRA
1.26%	$500	-	48-59 Month HSA
1.26%	$500	-	48-59 Month Education IRA
0.79%	$500	-	30-47 Month IRA
0.79%	$500	-	30-47 Month Roth IRA
0.79%	$500	-	30-47 Month HSA
0.79%	$500	-	30-47 Month Education IRA
0.71%	$500	-	24-29 Month IRA
0.71%	$500	-	24-29 Month Roth IRA
0.71%	$500	-	24-29 Month HSA
0.71%	$500	-	24-29 Month Education IRA
0.56%	$500	-	11 Month IRA Special
0.56%	$500	-	11 Month Roth IRA Special
0.56%	$500	-	11 Month HSA Special
0.56%	$500	-	11 Month Education IRA Special
0.52%	$500	-	18-23 Month IRA
0.52%	$500	-	18-23 Month Roth IRA
0.52%	$500	-	18-23 Month HSA
0.52%	$500	-	18-23 Month Education IRA
0.44%	$500	-	12-17 Month IRA
0.44%	$500	-	12-17 Month Roth IRA
0.44%	$500	-	12-17 Month HSA
0.44%	$500	-	12-17 Month Education IRA
0.33%	$500	-	9-11 Month IRA
0.33%	$500	-	9-11 Month Roth IRA
0.33%	$500	-	9-11 Month HSA
0.33%	$500	-	9-11 Month Education IRA
0.30%	$500	-	6-8 Month IRA
0.30%	$500	-	6-8 Month Roth IRA
0.30%	$500	-	6-8 Month HSA
0.30%	$500	-	6-8 Month Education IRA
0.17%	$500	-	8-91 Day IRA
0.17%	$500	-	1-5 Month IRA
0.17%	$500	-	8-91 Day Roth IRA
0.17%	$500	-	1-5 Month Roth IRA
0.17%	$500	-	8-91 Day HSA
0.17%	$500	-	8-91 Day Education IRA
0.17%	$500	-	1-5 Month HSA
0.17%	$500	-	1-5 Month Education IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

The Scott County State Bank
FDIC Certificate #	10485
BankRate Report	View
Year Established	1890
Employees	28
Primary Regulator	FED
Assets and Liabilities
Assets	$127.46 million
Loans	$80.35 million
Deposits	$104.32 million
Equity Capital	$16.33 million
Loan Loss Allowance	$1.30 million
Unbacked Noncurrent Loans	$1.69 million
Real Estate Owned	$1.66 million
Historic Data - March 2011
Assets	$130.31 million
Equity Capital	$14.44 million
Loan Loss Allowance	$1.33 million
Unbacked Noncurrent Loans	$2.28 million
Real Estate Owned	$1.25 million
Profit Margin - Quarterly
Net Interest Margin	4.84%
Return on Assets	0.94%
Return on Equity	7.36%
Interest Income	$1.53 million

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 The Scott County State Bank had $3.36 million in non-current loans and owned real-estate with $17.63 million in equity and loan loss allowances on hand to cover it. This gives The Scott County State Bank a Texas Ratio of 19.04% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for The Scott County State Bank held steady from 22.36% as of March 31, 2011 to 19.04% as of March 31, 2012, resulting in a positive change of 14.84%.This indicates that the balance sheet and financial strength for The Scott County State Bank has held steady in recent periods.
Deposit Growth
In the past year, The Scott County State Bank has decreased its total deposits by -$3.75 million, resulting in -3.47% 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 The Scott County State Bank has shown is below average.
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. The Scott County State Bank has $127.46 million in assets with $17.63 million in equity, resulting in a capitalization level of 13.83%, which is excellent.

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