Our Community Bank in Spencer, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Our Community Bank in Spencer, Indiana (IN)
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Our Community Bank - Overview

  • General
  • FDIC Certificate #: 27955
    Status: Active
    Federal Reserve ID: 474777
    Bank Holding Company (Regulatory Top Holder): Home Financial Bancorp (RSSDID: 2412586, Location: Spencer, IN)
    Date Established: January 01, 1911
    WWW: http://www.ocbconnect.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 16021
    FDIC's unique #: 40789
    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: December 16, 1935
    Last Structure Change Effective Date: July 15, 2011
    Last Structure Change Process Date: August 26, 2011
    Last Data Update: August 26, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 279 East 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
  • Name Change
  • Financial Summary
  • Total assets: $76.7 mil
    Equity capital: $8.2 mil
    Deposits held in domestic offices: $54.5 mil
    Return on assets (ROA): 0.74% ($0.6 mil)
    Quarterly return on assets: 0.59% ($0.5 mil)
    Return on Equity (ROE): 6.96% ($0.6 mil)
    Quarterly return on equity: 5.55% ($0.4 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.08% ($827.9 mil)
    Quarterly Pretax return on assets: 0.74% ($567.3 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
  • 21Total employees (full-time equivalent)
  • $76,659Total assets
  • $7,132Cash and due from depository institutions
  • $6,464Interest-bearing balances
  • $6,825Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $57,490Net loans & leases
  • $590Loan loss allowance
  • $0Trading account assets
  • $1,554Bank premises and fixed assets
  • $604Other real estate owned
  • $0Goodwill and other intangibles
  • $76,659Life insurance assets
  • $3,054All other assets
  • $68,439Total liabilities and capital
  • $54,550Total liabilities
  • $50,381Total deposits
  • $54,550Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,000Trading liabilities
  • $0Other borrowed funds
  • $889Subordinated debt
  • $8,220All other liabilities
  • $8,220Total equity capital
  • $8,220Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $2,442Surplus
  • $5,777Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,518Income earned, not collected on loans
  • $0Earning assets
  • $370Long-term assets (5+ years)
  • $70,779Average Assets, year-to-date
  • $59,833Average Assets, quarterly
  • $75,828Volatile liabilities
  • $76,964Insider loans
  • $42,095FHLB advances
  • $76,799Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,766Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,249Restructured Loans and leases
  • $677Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,362Total interest income
  • $1,134Total interest expense
  • $3,228Net interest income
  • $137Provision for loan and lease losses
  • $459Total noninterest income
  • $1Fiduciary activities
  • $334Service charges on deposit accounts
  • $0Trading account gains & fees
  • $124Additional noninterest income
  • $2,767Total noninterest expense
  • $1,264Salaries and employee benefits
  • $221Premises and equipment expense
  • $1,282Additional noninterest expense
  • $783Pre-tax net operating income
  • $37Securities gains (losses)
  • $262Applicable income taxes
  • $558Income before extraordinary items
  • $0Extraordinary gains - net
  • $558Net income attributable to bank
  • $0Net charge-offs
  • $558Cash dividends
  • $347Sale, conversion, retirement of capital stock, net
  • $337Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.23%Yield on earning assets
  • 1.62%Cost of funding earning assets
  • 4.61%Net interest margin
  • 0.66%Noninterest income to earning assets
  • 3.95%Noninterest expense to earning assets
  • 0.70%Net operating income to assets
  • 0.74%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 6.96%Return on equity (ROE)
  • 2.76%Retained earnings to average equity (YTD only)
  • 0.59%Net charge-offs to loans
  • 39.48%Credit loss provision to net charge-offs
  • 2.65%Efficiency ratio
  • 75,047Assets per employee
  • 3.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 60.39%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 38.87%Noncurrent assets plus other real estate owned to assets
  • 2.77%Noncurrent loans to loans
  • 2.61%Net loans and leases to deposits
  • 105.39%Net loans and leases to core deposits
  • 137.30%Equity capital to assets
  • 10.72%Core capital (leverage) ratio
  • 10.11%Tier 1 risk-based capital ratio
  • 18.45%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $75,828Average earning assets
  • $8,019Average equity
  • $70,071Average 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
  • $292Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 52Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $292Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    040789Our Community Bank279 East Morgan Street, Spencer, IN 47460January 01, 1911Full Service Brick and Mortar
    1264310Cloverdale Branch102 South Main Street, Cloverdale, IN 46120October 02, 1998Full Service Brick and Mortar

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