The Scott County State Bank in Scottsburg, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Scott County State Bank in Scottsburg, Indiana (IN)
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The Scott County State Bank routing number info

The Scott County State Bank - Overview

  • General
  • FDIC Certificate #: 10485
    Status: Active
    Federal Reserve ID: 753548
    Bank Holding Company (Regulatory Top Holder): Community Bank Shares Of Indiana, Inc. (RSSDID: 2356073, Location: New Albany, IN)
    Date Established: January 01, 1890
    WWW: http://www.scottcountystatebank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 13534
    FDIC's unique #: 6709
    Numeric code: 13
    Regulator: FED
    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: 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: 125 West Mcclain Avenue, Scottsburg, IN 47170
    County: Scott
    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): Scottsburg, IN (#42500)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $132.2 mil
    Equity capital: $16.9 mil
    Deposits held in domestic offices: $105.6 mil
    Return on assets (ROA): 1.03% ($1.4 mil)
    Quarterly return on assets: 1.30% ($1.7 mil)
    Return on Equity (ROE): 8.87% ($1.5 mil)
    Quarterly return on equity: 10.13% ($1.7 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.51% ($1,996.0 mil)
    Quarterly Pretax return on assets: 1.92% ($2,537.9 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
  • 28Total employees (full-time equivalent)
  • $132,183Total assets
  • $2,662Cash and due from depository institutions
  • $100Interest-bearing balances
  • $30,104Securities
  • $3,987Federal funds sold & reverse repurchase agreements
  • $82,745Net loans & leases
  • $1,199Loan loss allowance
  • $0Trading account assets
  • $2,484Bank premises and fixed assets
  • $1,695Other real estate owned
  • $865Goodwill and other intangibles
  • $132,183Life insurance assets
  • $7,641All other assets
  • $115,233Total liabilities and capital
  • $105,632Total liabilities
  • $80,453Total deposits
  • $105,632Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,960Trading liabilities
  • $0Other borrowed funds
  • $1,641Subordinated debt
  • $16,950All other liabilities
  • $16,950Total equity capital
  • $16,950Total bank equity capital
  • $0Perpetual preferred stock
  • $730Common stock
  • $29,773Surplus
  • $-13,553Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,805Income earned, not collected on loans
  • $0Earning assets
  • $571Long-term assets (5+ years)
  • $116,936Average Assets, year-to-date
  • $50,072Average Assets, quarterly
  • $132,816Volatile liabilities
  • $131,032Insider loans
  • $82,829FHLB advances
  • $127,919Loans and leases held for sale
  • $2,656Unused loan commitments
  • $2,656Tier 1 (core) risk-based capital
  • $15,549Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,345Restructured Loans and leases
  • $1,376Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,466Total interest income
  • $767Total interest expense
  • $5,699Net interest income
  • $276Provision for loan and lease losses
  • $965Total noninterest income
  • $0Fiduciary activities
  • $659Service charges on deposit accounts
  • $0Trading account gains & fees
  • $306Additional noninterest income
  • $4,384Total noninterest expense
  • $1,370Salaries and employee benefits
  • $477Premises and equipment expense
  • $2,537Additional noninterest expense
  • $2,004Pre-tax net operating income
  • $0Securities gains (losses)
  • $635Applicable income taxes
  • $1,369Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,369Net income attributable to bank
  • $0Net charge-offs
  • $1,369Cash dividends
  • $308Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.39%Yield on earning assets
  • 0.64%Cost of funding earning assets
  • 4.75%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 3.66%Noninterest expense to earning assets
  • 1.03%Net operating income to assets
  • 1.03%Return on assets (ROA)
  • 1.51%Pretax return on assets
  • 8.87%Return on equity (ROE)
  • 8.87%Retained earnings to average equity (YTD only)
  • 0.35%Net charge-offs to loans
  • 89.61%Credit loss provision to net charge-offs
  • 7.40%Efficiency ratio
  • 62,170Assets per employee
  • 4.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.43%Loss allowance to noncurrent loans
  • 66.43%Noncurrent assets plus other real estate owned to assets
  • 2.65%Noncurrent loans to loans
  • 2.15%Net loans and leases to deposits
  • 78.33%Net loans and leases to core deposits
  • 86.24%Equity capital to assets
  • 12.82%Core capital (leverage) ratio
  • 12.16%Tier 1 risk-based capital ratio
  • 18.77%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $132,816Average earning assets
  • $15,440Average equity
  • $119,854Average loans

Total Fiduciary and Related Assets (December 31, 2006)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $33Managed 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
  • 3Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $33Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Indiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    06709The Scott County State Bank125 West Mcclain Avenue, Scottsburg, IN 47170January 01, 1890Full Service Brick and Mortar
    1222447Gardner BranchU.S. Highway 31 And York Road, Scottsburg, IN 47170Febuary 04, 1974Full Service Brick and Mortar
    2222448Motor Branch155 West Wardell, Scottsburg, IN 47170June 22, 1981Limited Service Facility
    3222449Westview Branch57 North Michael Drive, Scottsburg, IN 47170December 14, 1998Full Service Brick and Mortar

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