Your Community Bank in New Albany, Indiana (IN), KY
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Your Community Bank in New Albany, Indiana (IN), KY
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Your Community Bank routing number info

Your Community Bank - Overview

  • General
  • FDIC Certificate #: 28915
    Status: Active
    Federal Reserve ID: 54375
    Bank Holding Company (Regulatory Top Holder): Community Bank Shares Of Indiana, Inc. (RSSDID: 2356073, Location: New Albany, IN)
    Date Established: May 01, 1934
    WWW: http://www.yourcommunitybank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 17 (Domestic: 17, Interstate: Yes)
    OTS Docket #: 2611
    FDIC's unique #: 41749
    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: Commercial Lending Specialization
    Date of Deposit Insurance: October 27, 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: 101 West Spring Street, New Albany, IN 47150
    County: Floyd
    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
    Metropolitan Statistical Area (MSA): Louisville, KY-IN (#4520)
    Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
    Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140)
    CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $661.1 mil
    Equity capital: $79.6 mil
    Deposits held in domestic offices: $475.7 mil
    Return on assets (ROA): 1.13% ($7.5 mil)
    Quarterly return on assets: 1.05% ($6.9 mil)
    Return on Equity (ROE): 10.01% ($8.0 mil)
    Quarterly return on equity: 8.61% ($6.9 mil)
    Net income: $7.4 mil
    Quarterly Net income: $1.7 mil
    Pretax return on assets: 1.45% ($9,585.3 mil)
    Quarterly Pretax return on assets: 1.32% ($8,725.9 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
  • 106Total employees (full-time equivalent)
  • $661,056Total assets
  • $30,425Cash and due from depository institutions
  • $17,821Interest-bearing balances
  • $168,642Securities
  • $8,389Federal funds sold & reverse repurchase agreements
  • $408,149Net loans & leases
  • $9,035Loan loss allowance
  • $0Trading account assets
  • $10,762Bank premises and fixed assets
  • $3,380Other real estate owned
  • $29Goodwill and other intangibles
  • $661,055Life insurance assets
  • $31,280All other assets
  • $581,486Total liabilities and capital
  • $475,709Total liabilities
  • $373,028Total deposits
  • $475,709Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 48402.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $50,377Trading liabilities
  • $0Other borrowed funds
  • $6,998Subordinated debt
  • $79,569All other liabilities
  • $79,569Total equity capital
  • $79,569Total bank equity capital
  • $0Perpetual preferred stock
  • $101Common stock
  • $50,114Surplus
  • $29,354Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,154Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $13,966Income earned, not collected on loans
  • $0Earning assets
  • $2,625Long-term assets (5+ years)
  • $603,001Average Assets, year-to-date
  • $251,662Average Assets, quarterly
  • $656,109Volatile liabilities
  • $657,689Insider loans
  • $484,299FHLB advances
  • $655,693Loans and leases held for sale
  • $17,356Unused loan commitments
  • $13,292Tier 1 (core) risk-based capital
  • $76,932Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,064Total unused commitments
  • $116,946Restructured Loans and leases
  • $25,833Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $27,775Total interest income
  • $4,659Total interest expense
  • $23,116Net interest income
  • $4,114Provision for loan and lease losses
  • $4,897Total noninterest income
  • $0Fiduciary activities
  • $2,618Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,279Additional noninterest income
  • $16,909Total noninterest expense
  • $4,605Salaries and employee benefits
  • $2,647Premises and equipment expense
  • $9,657Additional noninterest expense
  • $6,990Pre-tax net operating income
  • $2,499Securities gains (losses)
  • $2,085Applicable income taxes
  • $7,404Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,404Net income attributable to bank
  • $0Net charge-offs
  • $7,404Cash dividends
  • $4,712Sale, conversion, retirement of capital stock, net
  • $5,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.64%Yield on earning assets
  • 0.78%Cost of funding earning assets
  • 3.86%Net interest margin
  • 0.82%Noninterest income to earning assets
  • 2.83%Noninterest expense to earning assets
  • 0.83%Net operating income to assets
  • 1.13%Return on assets (ROA)
  • 1.45%Pretax return on assets
  • 10.01%Return on equity (ROE)
  • 3.25%Retained earnings to average equity (YTD only)
  • 1.13%Net charge-offs to loans
  • 87.31%Credit loss provision to net charge-offs
  • 2.36%Efficiency ratio
  • 60,361Assets per employee
  • 6.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.53%Loss allowance to loans
  • 2.17%Loss allowance to noncurrent loans
  • 64.69%Noncurrent assets plus other real estate owned to assets
  • 2.62%Noncurrent loans to loans
  • 3.35%Net loans and leases to deposits
  • 85.80%Net loans and leases to core deposits
  • 90.63%Equity capital to assets
  • 12.04%Core capital (leverage) ratio
  • 11.73%Tier 1 risk-based capital ratio
  • 15.89%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $656,109Average earning assets
  • $73,945Average equity
  • $598,199Average loans

List of branches

  • 12 Indiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    041749Your Community Bank101 West Spring Street, New Albany, IN 47150May 01, 1934Full Service Brick and Mortar
    1271564480 New Albany Plaza Branch480 New Albany Plaza, New Albany, IN 47150May 01, 1934Full Service Brick and Mortar
    22715652626 Charlestown Road Branch2626 Charlestown Road, New Albany, IN 47150May 01, 1934Full Service Brick and Mortar
    100271566901 East Highway 131 Branch901 East Highway 131, Clarksville, IN 47130May 01, 1934Full Service Brick and Mortar
    101271567Floyds Knobs Branch701 Highlander Point Drive, Floyds Knobs, IN 47119March 01, 1992Full Service Brick and Mortar
    102271568Sellersburg Branch102 Heritage Square, Sellersburg, IN 47172September 14, 1992Full Service Brick and Mortar
    10356260Jeffersonville Branch201 West Court Avenue, Jeffersonville, IN 47130January 08, 1996Full Service Brick and Mortar
    1042904025112 Highway 62 Branch5112 Highway 62, Jeffersonville, IN 47130January 15, 1998Full Service Brick and Mortar
    105364409East Spring Branch401 East Spring Street, New Albany, IN 47150June 18, 1999Limited Service Facility
    106365028Grantline Branch2910 Grantline Road, New Albany, IN 47150June 19, 2002Full Service Retail
    112427998Peachtree Centre Branch4328 Charlestown Road, New Albany, IN 47150April 05, 2004Full Service Brick and Mortar
    114463552Jeffersonville East Branch2917 East 10th Street, Jeffersonville, IN 47130May 21, 2007Full Service Brick and Mortar
  • 5 Kentucky Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    10744460Bardstown Community/Kentucky Branch106a West John Rowan Boulevard, Bardstown, KY 40004January 01, 1925Full Service Brick and Mortar
    108285346Stephen Foster Branch119 East Stephen Foster Ave, Bardstown, KY 40004August 03, 1998Full Service Brick and Mortar
    110422915Shelbyville Road Branch4510 Shelbyville Road, Louisville, KY 40207September 02, 2003Full Service Brick and Mortar
    113453327Eastpoint Branch13205 Magisterial Dr, Louisville, KY 40223Febuary 01, 2006Full Service Retail
    115478853Riverfront Plaza Branch471 West Main Street, Louisville, KY 40202July 21, 2008Full Service Brick and Mortar

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