Your Community Bank

Your Community Bank Locations
101 West Spring Street
New Albany, IN 47150
1-866-944-2004
www.yourcommunitybank.com

Your Community Bank is headquartered in New Albany and is the 18st largest bank in the state of Indiana. It is also the 1,002nd largest bank in the nation. It was established in 1934 and as of September of 2011, it had grown to 181 employees at 17 locations. Your Community Bank has a 3-star health rating.

Your Community Bank Routing Number: 283071827

Related Posts

2.05% 13-Month CD Special at Your Community Bank in IN & KY - Local Only - 3/25/2010

Your Community Bank is offering a 13-month CD special with a 2.05% APY. Minimum deposit is $500. This special is listed in the bank's rates page as of 3/25/2010. Unfortunately, I don't see any other ...

4.08% 16-Month / 3.80% 11-Month CD at an Indiana/Kentucky Bank (Your Community) - 7/11/2008

Your Community Bank is offering a 4.08% APY 16-month CD and a 3.80% APY 11-month CD. The minimum deposit is $500. Please refer to the rate table for more details.There's an online application, but it appears a branch visit is still required to complete...


We are currently reviewing the rates for Your Community Bank for accuracy. Please check back in a few hours.

Data for Q3 2011


Institution Statistics


Your Community Bank
FDIC Certificate #28915
BankRate ReportView
Year Established1934
Employees181
Primary RegulatorFDIC

Assets and Liabilities

Assets$654.32 million
Loans$409.82 million
Deposits$485.30 million
Equity Capital$80.37 million
Loan Loss Allowance$7.84 million
Unbacked Noncurrent Loans$15.13 million
Real Estate Owned$1.97 million

Historic Data - September 2010

Assets$701.64 million
Equity Capital$69.09 million
Loan Loss Allowance$11.36 million
Unbacked Noncurrent Loans$14.46 million
Real Estate Owned$1.89 million

Profit Margin - Quarterly

Net Interest Margin3.83%
Return on Assets1.16%
Return on Equity10.44%
Interest Income$20.87 million

Institution Health


Overall Score:
3 out of 5
3
Texas Ratio3
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 September 30, 2011 Your Community Bank had $17.1 million in non-current loans and owned real-estate with $88.21 million in equity and loan loss allowances on hand to cover it. This gives Your Community Bank a Texas Ratio of 19.39% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Your Community Bank held steady from 20.32% as of September 30, 2010 to 19.39% as of September 30, 2011, resulting in a positive change of 4.61%.This indicates that the balance sheet and financial strength for Your Community Bank has held steady in recent periods.
Deposit Growth1
In the past year, Your Community Bank has decreased its total deposits by -$31.5 million, resulting in -6.1% 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 Your Community Bank has shown is poor.
Capitalization5
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. Your Community Bank has $654.32 million in assets with $88.21 million in equity, resulting in a capitalization level of 13.48%, which is excellent.
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