Vitals
  • Total Assets
    108.1M -0.4 %
  • Total Deposits
    96.0M 2.3 %
  • Total Net Loans
    59.0M 9.3 %
  • Net Income
    461000.0000 2.7 %
  • Book Value
    11.8M 2.9 %
  • Book Value x2
    23.6M 2.9 %
  • Book Value x3
    35.3M 2.9 %
ROAA

.421

ROAE

3.928

Efficiency Ratio

80.982

Net Interest Margin

3.012

Balance Sheet Highlights
Financial Highlights Spencer County Bank All Insured Commercial Banks in Indiana
Balance Sheet $(000)
Total Assets 108,123 606,548
Total Net Loans 59,027 409,621
Total Deposits 95,957 497,111
Total Equity 11,778 63,292
Profitability
Net Income 461 6,062
Return on Average Assets .421 .965
Return on Average Equity 3.928 9.027
Net Interest Margin 3.012 3.682
Efficiency Ratio 80.982 66.445
Noninterest Income/Revenue 13.381 20.436
Balance Sheet Ratios
Loan-to-Deposit 61.514 79.497
Securities/Assets .336 .184
Total Equity/Total Assets .109 .104
Tangible Equity/Tangible Assets .106 .098
Capital Adequacy
Tier 1 Common Capital 11,665 60,326
Tier 1 Capital 11,665 60,328
Tier 2 Capital 722 4,282
Total Capital 12,387 64,608
Total Risk Weighted Assets 57,721 442,958
Leverage Ratio 10.4 10.395
Common Equity Tier 1 Capital Ratio 20.21 15.27
Tier 1 Capital Ratio 20.21 15.27
Total Capital Ratio 21.46 16.399

Timeline for Spencer County Bank

Spencer County Bank

Spencer County Bank was established 96 years ago and is currently headquartered in Santa Claus, IN.

Aug 19 1927
Relationships Role Relationship Start Relationship End
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