Owen County State Bank in Spencer, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Owen County State Bank in Spencer, Indiana (IN)
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Owen County State Bank routing number info

Owen County State Bank - Overview

  • General
  • FDIC Certificate #: 13112
    Status: Active
    Federal Reserve ID: 38740
    Bank Holding Company (Regulatory Top Holder): Owen Financial Corporation (RSSDID: 1207954, Location: Spencer, IN)
    Date Established: January 01, 1934
    WWW: http://www.ocsbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 8907
    FDIC's unique #: 8294
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 West 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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $184.3 mil
    Equity capital: $17.2 mil
    Deposits held in domestic offices: $152.3 mil
    Return on assets (ROA): 0.56% ($1.0 mil)
    Quarterly return on assets: 0.68% ($1.3 mil)
    Return on Equity (ROE): 6.14% ($1.0 mil)
    Quarterly return on equity: 7.32% ($1.2 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.82% ($1,511.1 mil)
    Quarterly Pretax return on assets: 1.03% ($1,898.1 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
  • 63Total employees (full-time equivalent)
  • $184,281Total assets
  • $31,074Cash and due from depository institutions
  • $27,389Interest-bearing balances
  • $33,990Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $108,337Net loans & leases
  • $1,487Loan loss allowance
  • $0Trading account assets
  • $5,200Bank premises and fixed assets
  • $366Other real estate owned
  • $0Goodwill and other intangibles
  • $184,281Life insurance assets
  • $5,314All other assets
  • $167,041Total liabilities and capital
  • $152,299Total liabilities
  • $139,222Total deposits
  • $152,299Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,500Trading liabilities
  • $0Other borrowed funds
  • $2,242Subordinated debt
  • $17,240All other liabilities
  • $17,240Total equity capital
  • $17,240Total bank equity capital
  • $0Perpetual preferred stock
  • $900Common stock
  • $8,790Surplus
  • $7,550Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,880Income earned, not collected on loans
  • $0Earning assets
  • $529Long-term assets (5+ years)
  • $169,716Average Assets, year-to-date
  • $82,743Average Assets, quarterly
  • $185,128Volatile liabilities
  • $185,282Insider loans
  • $103,653FHLB advances
  • $184,755Loans and leases held for sale
  • $2,576Unused loan commitments
  • $2,576Tier 1 (core) risk-based capital
  • $16,400Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,910Restructured Loans and leases
  • $1,312Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,296Total interest income
  • $2,258Total interest expense
  • $6,038Net interest income
  • $560Provision for loan and lease losses
  • $1,598Total noninterest income
  • $0Fiduciary activities
  • $674Service charges on deposit accounts
  • $0Trading account gains & fees
  • $924Additional noninterest income
  • $5,562Total noninterest expense
  • $3,381Salaries and employee benefits
  • $780Premises and equipment expense
  • $1,401Additional noninterest expense
  • $1,514Pre-tax net operating income
  • -$2Securities gains (losses)
  • $477Applicable income taxes
  • $1,035Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,035Net income attributable to bank
  • $0Net charge-offs
  • $1,035Cash dividends
  • $422Sale, conversion, retirement of capital stock, net
  • $467Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.90%Yield on earning assets
  • 1.33%Cost of funding earning assets
  • 3.57%Net interest margin
  • 0.94%Noninterest income to earning assets
  • 3.29%Noninterest expense to earning assets
  • 0.56%Net operating income to assets
  • 0.56%Return on assets (ROA)
  • 0.82%Pretax return on assets
  • 6.14%Return on equity (ROE)
  • 3.37%Retained earnings to average equity (YTD only)
  • 0.37%Net charge-offs to loans
  • 132.70%Credit loss provision to net charge-offs
  • 4.91%Efficiency ratio
  • 72,839Assets per employee
  • 2.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.12%Loss allowance to loans
  • 1.35%Loss allowance to noncurrent loans
  • 79.10%Noncurrent assets plus other real estate owned to assets
  • 1.22%Noncurrent loans to loans
  • 1.71%Net loans and leases to deposits
  • 71.13%Net loans and leases to core deposits
  • 76.97%Equity capital to assets
  • 9.36%Core capital (leverage) ratio
  • 8.88%Tier 1 risk-based capital ratio
  • 15.82%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $185,128Average earning assets
  • $16,849Average equity
  • $169,291Average loans

List of branches

  • 5 Indiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    08294Owen County State Bank201 West Morgan Street, Spencer, IN 47460January 01, 1934Full Service Brick and Mortar
    1229144Coal City BranchMain Street, Coal City, IN 47427January 03, 1966Full Service Brick and Mortar
    2229145Gosport BranchWest Main Street, Gosport, IN 47433May 09, 1945Full Service Brick and Mortar
    3229146East Morgan Street Branch524 East Morgan Street, Spencer, IN 47460November 17, 1989Full Service Brick and Mortar
    5477881Bloomington Branch3419 West State Road 46, Bloomington, IN 47401July 01, 2008Full Service Brick and Mortar

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