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Overview / Commentary
812-829-2095
279 East Morgan Street
Spencer, IN 47460

Our Community Bank is headquartered in Spencer and is the 98th largest bank in the state of Indiana. It is also the 4,707th largest bank in the nation. It was established in 1911 and as of March of 2018, it had grown to 21 employees at 2 locations. Our Community Bank has a B health rating.

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Health
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. Our Community Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #27955
Year Established1911
Employees21
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD5.07%
Annual Interest Income$810.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$71.5MM$69.7MM
LoansQ1 2018vs Q1 2017$50.8MM$46.1MM
DepositsQ1 2018vs Q1 2017$51.9MM$53.2MM
Equity CapitalQ1 2018vs Q1 2017$8.4MM$8.3MM
Loan Loss AllowanceQ1 2018vs Q1 2017$475.00K$467.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$1.1MM$504.00K
Real Estate OwnedQ1 2018vs Q1 2017$62.00K$145.00K
Rates
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Our Community Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.07%$500-37 Month CD
1.91%$500-25 Month CD
1.76%$500-13 Month CD
1.46%$500-60 Month CD
1.31%$500-48 Month CD
1.11%$500-36 Month CD
0.90%$500-30 Month CD
0.85%$500-24 Month CD
0.75%$500-18 Month CD
0.70%$500-12 Month CD
0.35%$500-6 Month CD
0.30%$500-3 Month CD

Our Community Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.07%$500-37 Month IRA
1.91%$500-25 Month IRA
1.76%$500-13 Month IRA
1.46%$500-60 Month IRA
1.31%$500-48 Month IRA
1.11%$500-36 Month IRA
0.90%$500-30 Month IRA
0.85%$500-24 Month IRA
0.75%$500-18 Month IRA
0.70%$500-12 Month IRA
0.35%$500-6 Month IRA
0.30%$500-3 Month IRA
Locations


Our Community Bank Locations
Cloverdale Branch102 South Main StreetCloverdale, IN 46120
Our Community Bank279 East Morgan StreetSpencer, IN 47460

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