| Weiss Ratings |
Owen County State Bank
Spencer, IN |
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| Rating | ||||
| Asset Quality Index | 5.80 | |||
| Capitalization Index | 6.50 | |||
| Liquidity Index | 3.10 | |||
| Profitability Index | 3.90 | |||
| Stability Index | 3.70 | |||
| Company Info |
Owen County State Bank
Spencer, IN |
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| FDIC Number | 13112 | |||
| Phone Number | (812) 829-4811 | |||
| Website | www.ocsbank.com | |||
| Asset Quality |
Owen County State Bank
Spencer, IN |
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| 1-Year Asset Growth | 6.17% | |||
| 5-Year Asset Growth | 7.91% | |||
| 5-Year Charge-Offs to Average Loans | 0.04% | |||
| Charge-Offs to Average Loans | 0.03% | |||
| Non-Performing Assets to Assets | 0.51% | |||
| Non-Performing Loans to Capital | 4.64% | |||
| Non-Performing Loans to Loans | 0.74% | |||
| Balance Sheet |
Owen County State Bank
Spencer, IN |
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| Total Assets | 389.52M | |||
| Total Deposits | 313.82M | |||
| Capital and Reserves |
Owen County State Bank
Spencer, IN |
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| Capital | 26.53M | |||
| Leverage Ratio | 8.51 | |||
| Loan Loss Reserves to Loans | 1.26% | |||
| Risk-Based Capital Ratio | 13.79 | |||
| Liquidity |
Owen County State Bank
Spencer, IN |
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| Hot Money Ratio | 15.04% | |||
| Liquidity Ratio | 27.43% | |||
| Profitability |
Owen County State Bank
Spencer, IN |
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| 5-Year Return on Average Assets | 0.56% | |||
| Net Income | 3.02M | |||
| Net Interest Spread | 3.36% | |||
| Operating Profit to Average Assets | 0.99% | |||
| Overhead Efficiency Ratio | 70.35% | |||
| Return on Assets | 0.77% | |||
| Return on Equity | 12.44% | |||