Our Community Bank
Spencer, IN — Non-member Bank
Active
Vitals
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Total Assets64.6M 2.7 %
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Total Deposits45.9M 2.7 %
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Total Net Loans44.6M 1.4 %
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Net Income386000.0000 -1.0 %
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Book Value8.1M 1.6 %
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Book Value x216.3M 1.6 %
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Book Value x324.4M 1.6 %
Balance Sheet Highlights
| Financial Highlights | Our Community Bank | All Insured Commercial Banks in Indiana |
| Balance Sheet $(000) | ||
| Total Assets | 64,631 | 606,548 |
| Total Net Loans | 44,602 | 409,621 |
| Total Deposits | 45,854 | 497,111 |
| Total Equity | 8,139 | 63,292 |
| Profitability | ||
| Net Income | 386 | 6,062 |
| Return on Average Assets | .582 | .965 |
| Return on Average Equity | 4.732 | 9.027 |
| Net Interest Margin | 4.372 | 3.682 |
| Efficiency Ratio | 85.24 | 66.445 |
| Noninterest Income/Revenue | 12.452 | 20.436 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 97.27 | 79.497 |
| Securities/Assets | .166 | .184 |
| Total Equity/Total Assets | .126 | .104 |
| Tangible Equity/Tangible Assets | .126 | .098 |
| Capital Adequacy | ||
| Tier 1 Common Capital | 8,240 | 60,326 |
| Tier 1 Capital | 8,240 | 60,328 |
| Tier 2 Capital | 448 | 4,282 |
| Total Capital | 8,688 | 64,608 |
| Total Risk Weighted Assets | 36,584 | 442,958 |
| Leverage Ratio | 12.42 | 10.395 |
| Common Equity Tier 1 Capital Ratio | 22.52 | 15.27 |
| Tier 1 Capital Ratio | 22.52 | 15.27 |
| Total Capital Ratio | 23.75 | 16.399 |
Timeline for Our Community Bank
Bsf, Inc.
Bsf, Inc. became a new subsidiary organization for Our Community Bank.
View Profile Jul 01 2011
Home Financial Bancorp
Home Financial Bancorp became a new parent organization for Our Community Bank.
View Profile Jul 01 1996
Our Community Bank
Our Community Bank was established 113 years ago and is currently headquartered in Spencer, IN.
Jan 01 1911| Relationships | Role | Relationship Start | Relationship End |
| Home Financial Bancorp | Parent | 7/1/2011 | |
| Home Financial Bancorp | Parent | 5/1/1999 | 6/30/2011 |
| Home Financial Bancorp | Parent | 7/1/1996 | 4/30/1999 |
| Bsf, Inc. | Subsidary | 7/1/2011 |
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