Spencer County Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 11.7 percent of nonperforming loans to core capital combined with 11.5 percent from a year earlier contributes to the Good asset quality (5.2). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (3.9) profitability.
Asset Mix:
Home mtgs (35%), securities (23%), cash (10%), home eq lns (6%), comm re (5%), comm loans (4%), consumer loans (4%), other (13%)
States with Branches:
IN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
55 North Louis J. Koch Boulevard
Santa Claus, IN 47579
Santa Claus, IN 47579
Phone Number
(812) 937-4433
Year Founded
1927
FDIC Number
Website
Largest Affiliates
No affiliate information available.