Spencer County Bank in Santa Claus, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Spencer County Bank in Santa Claus, Indiana (IN)
  • Show street view No street view available for this location
Spencer County Bank routing number info

Spencer County Bank - Overview

  • General
  • FDIC Certificate #: 5786
    Status: Active
    Federal Reserve ID: 871648
    Date Established: August 19, 1927
    WWW: http://www.spencercountybank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 13790
    FDIC's unique #: 3947
    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: 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: 55 North L J Koch Blvd., Santa Claus, IN 47579
    County: Spencer
    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
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $106.4 mil
    Equity capital: $10.0 mil
    Deposits held in domestic offices: $95.2 mil
    Return on assets (ROA): 0.62% ($0.7 mil)
    Quarterly return on assets: 0.83% ($0.9 mil)
    Return on Equity (ROE): 6.73% ($0.7 mil)
    Quarterly return on equity: 9.00% ($0.9 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.86% ($914.9 mil)
    Quarterly Pretax return on assets: 1.20% ($1,276.5 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
  • 37Total employees (full-time equivalent)
  • $106,378Total assets
  • $1,854Cash and due from depository institutions
  • $243Interest-bearing balances
  • $49,820Securities
  • $653Federal funds sold & reverse repurchase agreements
  • $49,842Net loans & leases
  • $500Loan loss allowance
  • $0Trading account assets
  • $1,552Bank premises and fixed assets
  • $741Other real estate owned
  • $292Goodwill and other intangibles
  • $106,378Life insurance assets
  • $1,624All other assets
  • $96,406Total liabilities and capital
  • $95,173Total liabilities
  • $84,147Total deposits
  • $95,173Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,233Subordinated debt
  • $9,972All other liabilities
  • $9,972Total equity capital
  • $9,972Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $3,800Surplus
  • $5,972Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $178Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $909Income earned, not collected on loans
  • $0Earning assets
  • $411Long-term assets (5+ years)
  • $100,558Average Assets, year-to-date
  • $48,390Average Assets, quarterly
  • $103,267Volatile liabilities
  • $106,433Insider loans
  • $48,778FHLB advances
  • $108,780Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,984Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,904Restructured Loans and leases
  • $208Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,399Total interest income
  • $1,034Total interest expense
  • $3,365Net interest income
  • $399Provision for loan and lease losses
  • $589Total noninterest income
  • $2Fiduciary activities
  • $230Service charges on deposit accounts
  • $0Trading account gains & fees
  • $357Additional noninterest income
  • $2,665Total noninterest expense
  • $1,273Salaries and employee benefits
  • $474Premises and equipment expense
  • $918Additional noninterest expense
  • $890Pre-tax net operating income
  • $0Securities gains (losses)
  • $254Applicable income taxes
  • $636Income before extraordinary items
  • $0Extraordinary gains - net
  • $636Net income attributable to bank
  • $0Net charge-offs
  • $636Cash dividends
  • $286Sale, conversion, retirement of capital stock, net
  • $27Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.56%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 3.49%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 2.76%Noninterest expense to earning assets
  • 0.62%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 0.86%Pretax return on assets
  • 6.73%Return on equity (ROE)
  • 6.44%Retained earnings to average equity (YTD only)
  • 0.59%Net charge-offs to loans
  • 139.51%Credit loss provision to net charge-offs
  • 4.51%Efficiency ratio
  • 67,400Assets per employee
  • 2.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 4.25%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 55.01%Noncurrent assets plus other real estate owned to assets
  • 1.55%Noncurrent loans to loans
  • 1.81%Net loans and leases to deposits
  • 52.37%Net loans and leases to core deposits
  • 56.68%Equity capital to assets
  • 9.37%Core capital (leverage) ratio
  • 8.26%Tier 1 risk-based capital ratio
  • 18.42%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $103,267Average earning assets
  • $9,455Average equity
  • $96,466Average 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
  • $1,800Managed Assets
  • 1Number of Accounts
  • $1,753Personal trust and agency accounts
  • $744Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $1,009Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 5Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $47Other retirement accounts
  • $7Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $40Fiduciary accounts held in foreign offices

List of branches

  • 5 Indiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    03947Spencer County Bank55 North L J Koch Blvd., Santa Claus, IN 47579August 19, 1927Full Service Brick and Mortar
    1208170Richland Branch3780 North State Road 161, Richland, IN 47634May 03, 1968Full Service Brick and Mortar
    2208171St. Meinrad Branch2 Mill Street, Saint Meinrad, IN 47577May 01, 1971Full Service Brick and Mortar
    3208172Dale Branch10 North Washington Street, Dale, IN 47523December 04, 1987Full Service Brick and Mortar
    4430608Grandview Branch322 Main Street, Grandview, IN 47615June 21, 2004Full Service Brick and Mortar

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

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Spencer County Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents