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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 104th largest bank in the state of Indiana. It is also the 5,036th largest bank in the nation. It was established in 1911 and as of September of 2016, it had grown to 19 employees at 2 locations. Our Community Bank has a B+ health rating.

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Health
B+
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
Employees19
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD4.82%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$66.9MM$66.1MM
LoansQ3 2016vs Q3 2015$43.9MM$44.7MM
DepositsQ3 2016vs Q3 2015$50.0MM$47.3MM
Equity CapitalQ3 2016vs Q3 2015$8.3MM$8.0MM
Loan Loss AllowanceQ3 2016vs Q3 2015$442.00K$515.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$736.00K$1.2MM
Real Estate OwnedQ3 2016vs Q3 2015$271.00K$144.00K
Rates
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Our Community Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$500-60 Month CD
1.05%$500-48 Month CD
0.50%$500-36 Month CD
0.45%$500-30 Month CD
0.40%$500-24 Month CD
0.30%$500-18 Month CD
0.25%$500-12 Month CD
0.15%$500-6 Month CD
0.10%$500-3 Month CD

Our Community Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$500-60 Month IRA
1.05%$500-48 Month IRA
0.50%$500-36 Month IRA
0.45%$500-30 Month IRA
0.40%$500-24 Month IRA
0.30%$500-18 Month IRA
0.25%$500-12 Month IRA
0.15%$500-6 Month IRA
0.10%$500-3 Month IRA
Locations


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