Our Community Bank in city_name, state_name - Detailed Financial Reports, Location

Our Community Bank in Spencer, Indiana (IN)
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Our Community Bank routing number info

Our Community Bank - Overview

General
FDIC Certificate #: 27955
Status: Active
Federal Reserve ID: 474777
Bank Holding Company (Regulatory Top Holder): Home Financial Bancorp (RSSDID: 2412586, Location: Spencer, IN)
Date Established: January 01, 1911
WWW: http://www.ocbconnect.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 16021
FDIC's unique #: 40789
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: December 16, 1935
Last Structure Change Effective Date: July 15, 2011
Last Structure Change Process Date: August 26, 2011
Last Data Update: August 26, 2011
Data Source Date: April 05, 2012
Location
Address: 279 East Morgan Street, Spencer, IN 47460
County: Owen
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Indianapolis
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Core Based Statistical Area (CBSA): Bloomington, IN (#14020)
CBSA Metro Statistical Area: Bloomington, IN (#14020)
History of Changes
Name Change
Financial Summary
Total assets: $76.7 mil
Equity capital: $8.2 mil
Deposits held in domestic offices: $54.5 mil
Return on assets (ROA): 0.74% ($0.6 mil)
Quarterly return on assets: 0.59% ($0.5 mil)
Return on Equity (ROE): 6.96% ($0.6 mil)
Quarterly return on equity: 5.55% ($0.4 mil)
Net income: $0.6 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.08% ($827.9 mil)
Quarterly Pretax return on assets: 0.74% ($567.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
21Total employees (full-time equivalent)
$76,659Total assets
$7,132Cash and due from depository institutions
$6,464Interest-bearing balances
$6,825Securities
$0Federal funds sold & reverse repurchase agreements
$57,490Net loans & leases
$590Loan loss allowance
$0Trading account assets
$1,554Bank premises and fixed assets
$604Other real estate owned
$0Goodwill and other intangibles
$76,659Life insurance assets
$3,054All other assets
$68,439Total liabilities and capital
$54,550Total liabilities
$50,381Total deposits
$54,550Interest-bearing deposits
$84Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$13,000Trading liabilities
$0Other borrowed funds
$889Subordinated debt
$8,220All other liabilities
$8,220Total equity capital
$8,220Total bank equity capital
$0Perpetual preferred stock
$1Common stock
$2,442Surplus
$5,777Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,518Income earned, not collected on loans
$0Earning assets
$370Long-term assets (5+ years)
$70,779Average Assets, year-to-date
$59,833Average Assets, quarterly
$75,828Volatile liabilities
$76,964Insider loans
$42,095FHLB advances
$76,799Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,766Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,249Restructured Loans and leases
$677Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,362Total interest income
$1,134Total interest expense
$3,228Net interest income
$137Provision for loan and lease losses
$459Total noninterest income
$1Fiduciary activities
$334Service charges on deposit accounts
$0Trading account gains & fees
$124Additional noninterest income
$2,767Total noninterest expense
$1,264Salaries and employee benefits
$221Premises and equipment expense
$1,282Additional noninterest expense
$783Pre-tax net operating income
$37Securities gains (losses)
$262Applicable income taxes
$558Income before extraordinary items
$0Extraordinary gains - net
$558Net income attributable to bank
$0Net charge-offs
$558Cash dividends
$347Sale, conversion, retirement of capital stock, net
$337Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.23%Yield on earning assets
1.62%Cost of funding earning assets
4.61%Net interest margin
0.66%Noninterest income to earning assets
3.95%Noninterest expense to earning assets
0.70%Net operating income to assets
0.74%Return on assets (ROA)
1.08%Pretax return on assets
6.96%Return on equity (ROE)
2.76%Retained earnings to average equity (YTD only)
0.59%Net charge-offs to loans
39.48%Credit loss provision to net charge-offs
2.65%Efficiency ratio
75,047Assets per employee
3.65%Cash dividends to net income (YTD only)
Condition Ratios (%)
60.39%Loss allowance to loans
1.02%Loss allowance to noncurrent loans
38.87%Noncurrent assets plus other real estate owned to assets
2.77%Noncurrent loans to loans
2.61%Net loans and leases to deposits
105.39%Net loans and leases to core deposits
137.30%Equity capital to assets
10.72%Core capital (leverage) ratio
10.11%Tier 1 risk-based capital ratio
18.45%Total risk-based capital ratio
Memoranda
$20Average assets
$75,828Average earning assets
$8,019Average equity
$70,071Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$292Managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
52Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$292Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

2 Indiana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	40789	Our Community Bank	279 East Morgan Street, Spencer, IN 47460	January 01, 1911	Full Service Brick and Mortar
1	264310	Cloverdale Branch	102 South Main Street, Cloverdale, IN 46120	October 02, 1998	Full Service Brick and Mortar

Our Community Bank in Spencer, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Our Community Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Our Community Bank in Spencer, Indiana (IN)Overview, Financial Summary, Detailed Financial Reports, Branches

Our Community Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Our Community Bank in Spencer, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches